Table 17. Defined benefit plans: Eligibility requirements, private industry workers, National Compensation Survey, 2009
(All workers participating in defined benefit plans = 100 percent)
Open to new employees
Characteristics
Total
Plans open to
new
employees
With
Age and
Median
No minimum
minimum
service
service
age or
Median age
age or
requirement
service
requirement requirement
service
not
(in months) requirement
requirement
determinable
Plans not
open to new
employees
Not
determinable
Worker characteristic
All workers ........................................................................
100
87
69
21
12
18
1
12
1
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Sales and office ................................................................
Sales and related ..........................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Installation, maintenance, and repair ............................
Production, transportation, and material moving ..............
Production .....................................................................
Transportation and material moving .............................
100
100
100
100
100
100
100
100
100
100
100
100
100
83
86
81
91
94
98
92
89
97
78
83
68
96
67
73
62
80
81
88
79
53
47
60
61
45
76
21
21
21
21
21
21
21
21
21
21
21
21
21
12
12
12
12
12
12
12
12
12
12
12
12
12
16
12
19
9
12
–
13
35
49
–
20
20
–
(1)
(1)
(1)
2
(1)
–
(1)
(1)
–
–
2
3
–
17
14
18
9
6
–
7
–
–
–
15
28
–
(1)
(1)
1
1
(1)
–
(1)
–
–
–
2
4
–
Full time ............................................................................
Part time ............................................................................
100
100
86
94
67
80
21
21
12
12
18
14
1
(1)
13
–
1
–
Union .................................................................................
Nonunion ...........................................................................
100
100
89
86
63
72
21
21
12
12
25
13
1
1
10
13
(1)
1
Average wage within the following categories:2
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
100
100
100
100
100
93
93
90
81
82
76
71
72
63
69
21
21
21
21
21
12
12
12
12
12
–
21
16
18
13
–
1
2
(1)
1
( )
–
7
8
18
17
–
(1)
2
1
1
( )
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
100
100
100
74
97
66
43
39
44
21
–
21
12
–
12
28
58
17
3
–
4
24
–
31
2
–
3
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Retail trade ................................................................
Information ....................................................................
Financial activities .........................................................
Finance and insurance ..............................................
Credit intermediation and related activities ...........
Insurance carriers and related activities ...............
Education and health services ......................................
Educational services .................................................
Junior colleges, colleges, and universities ............
Health care and social assistance ............................
100
100
100
100
100
100
100
100
100
100
100
100
91
92
94
83
90
90
93
88
94
93
87
94
77
79
78
71
80
79
82
76
69
–
47
70
21
21
21
21
21
21
21
21
21
–
19
21
12
12
12
12
12
12
12
12
12
–
12
12
14
13
–
–
10
10
–
–
24
47
40
–
(1)
–
–
–
1
( )
1
( )
–
–
1
–
–
–
8
–
–
–
10
10
–
–
6
–
–
6
(1)
–
–
–
1
( )
1
( )
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 17. Defined benefit plans: Eligibility requirements, private industry workers, National Compensation Survey, 2009—Continued
(All workers participating in defined benefit plans = 100 percent)
Open to new employees
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Total
Plans open to
new
employees
With
Age and
Median
No minimum
minimum
service
service
age or
Median age
age or
requirement
service
requirement requirement
service
not
(in months) requirement
requirement
determinable
Plans not
open to new
employees
Not
determinable
100
100
100
100
100
100
87
88
85
87
88
86
69
70
68
68
66
70
21
21
21
21
21
21
12
12
12
12
12
12
17
–
–
18
20
16
(1)
–
–
1
2
1
11
12
–
13
12
13
2
(1)
–
(1)
–
1
100
100
100
100
100
100
100
100
100
91
90
80
91
83
94
94
85
86
77
71
67
83
67
–
68
66
67
21
21
21
21
21
–
21
21
21
12
12
12
12
12
–
12
12
12
14
19
12
–
14
52
–
–
19
1
–
1
–
2
–
–
–
–
–
10
20
–
15
–
–
–
–
–
(1)
(1)
–
2
–
–
–
–
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1
2
Less than 0.5 percent.
The categories are based on the average wage for each occupation surveyed, which may include
workers both above and below the threshold. The average wages are based on the estimates published
in the "National Compensation Survey: Occupational Earnings in the United States, 2008." See
Technical Note for more details.
NOTE: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data
were reported or that data do not meet publication criteria. For definitions of major plans, key provisions,
and
related
terms,
see
the
"Glossary
of
Employee
Benefit
Terms"
at
www.bls.gov/ncs/ebs/glossary20092010.htm.
Table 17. Standard errors for defined benefit plans: Eligibility requirements, private industry workers, National Compensation
Survey, 2009
Open to new employees
Characteristics
Plans open to
new
employees
With
Age and
Median
No minimum
minimum
service
service
age or
Median age
age or
requirement
requirement requirement
service
service
not
(in months) requirement
requirement
determinable
Plans not
open to new
employees
Not
determinable
Worker characteristic
All workers ........................................................................
1.2
2.0
0.0
0.0
1.7
0.2
1.2
0.4
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Sales and office ................................................................
Sales and related ..........................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Installation, maintenance, and repair ............................
Production, transportation, and material moving ..............
Production .....................................................................
Transportation and material moving .............................
2.0
2.3
2.6
2.6
1.2
1.5
1.7
4.0
1.7
7.9
2.9
3.9
1.7
3.0
3.5
3.8
3.3
2.6
4.9
2.8
5.2
6.6
8.8
5.2
5.3
6.4
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
4.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.2
0.0
0.0
0.0
0.0
2.5
2.5
4.1
2.1
2.3
–
2.2
5.4
6.8
–
4.0
4.0
–
0.2
0.3
0.3
1.1
0.2
–
0.3
0.3
–
–
0.8
1.1
–
2.0
2.3
2.5
2.7
1.2
–
1.7
–
–
–
2.6
3.7
–
0.3
(1)
0.4
0.3
0.1
–
0.2
–
–
–
1.5
2.3
–
Full time ............................................................................
Part time ............................................................................
1.3
2.2
2.1
4.7
0.0
0.0
0.0
0.0
2.0
4.0
0.3
0.2
1.3
–
0.5
–
Union .................................................................................
Nonunion ...........................................................................
1.8
1.6
2.7
2.8
0.0
0.0
0.0
0.0
2.2
2.5
0.4
0.3
1.8
1.6
0.2
0.7
Average wage within the following categories:2
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
3.2
1.7
1.9
2.0
2.5
5.8
3.8
3.2
2.5
3.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
–
4.0
2.7
1.7
1.9
–
0.3
0.6
0.2
0.2
–
1.7
1.4
2.0
2.5
–
0.1
1.4
0.4
0.2
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
3.2
2.6
4.0
3.7
7.0
4.5
0.0
–
0.0
0.0
–
0.0
4.4
7.2
4.3
0.9
–
1.3
3.1
–
3.6
1.7
–
2.3
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Retail trade ................................................................
Information ....................................................................
Financial activities .........................................................
Finance and insurance ..............................................
Credit intermediation and related activities ...........
Insurance carriers and related activities ...............
Education and health services ......................................
Educational services .................................................
Junior colleges, colleges, and universities ............
Health care and social assistance ............................
1.3
2.9
4.0
5.6
2.1
2.4
3.4
4.1
1.6
2.6
3.6
1.7
2.5
4.3
7.3
8.4
3.2
3.6
4.7
6.2
6.4
–
5.1
6.7
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
–
2.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
–
0.0
0.0
2.0
3.4
–
–
2.9
3.0
–
–
6.5
13.4
4.6
–
0.1
–
–
–
0.2
0.2
–
–
0.5
–
–
–
1.3
–
–
–
2.1
2.4
–
–
1.6
–
–
1.7
0.2
–
–
–
(1)
(1)
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 17. Standard errors for defined benefit plans: Eligibility requirements, private industry workers, National Compensation
Survey, 2009—Continued
Open to new employees
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Plans open to
new
employees
With
Age and
Median
No minimum
minimum
service
service
age or
Median age
age or
requirement
requirement requirement
service
service
not
(in months) requirement
requirement
determinable
Plans not
open to new
employees
Not
determinable
2.8
3.5
5.7
1.5
2.1
1.9
5.0
6.6
6.7
2.2
3.3
2.7
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
5.1
–
–
1.7
2.7
2.1
0.2
–
–
0.3
0.7
0.3
2.7
3.5
–
1.5
2.1
1.9
1.5
0.5
–
0.2
–
0.4
3.1
2.2
2.5
5.1
4.2
1.7
2.0
9.0
4.6
5.1
3.8
4.1
7.1
5.4
–
9.0
10.3
6.6
0.0
0.0
0.0
0.0
0.0
–
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
–
0.0
0.0
0.0
2.9
3.7
2.7
–
3.4
14.4
–
–
3.3
0.5
–
0.6
–
0.8
–
–
–
–
–
2.3
2.6
–
4.5
–
–
–
–
–
0.2
1
( )
–
1.6
–
–
–
–
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1
2
Less than 0.05.
The categories are based on the average wage for each occupation surveyed, which may
include workers both above and below the threshold. The average wages are based on the
estimates published in the "National Compensation Survey: Occupational Earnings in the United
States, 2008." See Technical Note for more details.
NOTE: Dashes indicate that no data were reported or that data do not meet publication criteria. For
definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit
Terms" at www.bls.gov/ncs/ebs/glossary20092010.htm.
Table 18. Defined benefit plans: Plan sponsor, private industry workers, National
Compensation Survey, 2009
(All workers participating in defined benefit plans = 100 percent)
Characteristics
Single
employer
Total
Multiemployer1
Other2
Worker characteristic
All workers ........................................................................
100
70
–
–
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Sales and office ................................................................
Sales and related ..........................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Installation, maintenance, and repair ............................
Production, transportation, and material moving ..............
Production .....................................................................
Transportation and material moving .............................
100
100
100
100
100
100
100
100
100
100
100
100
100
89
91
87
59
82
63
89
–
–
61
57
74
42
–
–
–
–
–
–
–
66
92
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Full time ............................................................................
Part time ............................................................................
100
100
72
53
–
–
–
–
Union .................................................................................
Nonunion ...........................................................................
100
100
–
91
57
–
–
–
Average wage within the following categories:3
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
100
100
100
100
100
60
73
69
72
82
–
–
–
–
–
–
–
–
–
–
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
100
100
100
55
–
70
45
99
30
–
–
–
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Retail trade ................................................................
Information ....................................................................
Financial activities .........................................................
Finance and insurance ..............................................
Credit intermediation and related activities ...........
Insurance carriers and related activities ...............
Education and health services ......................................
Educational services .................................................
Junior colleges, colleges, and universities ............
Health care and social assistance ............................
100
100
100
100
100
100
100
100
100
100
100
100
75
56
56
77
99
100
100
99
76
80
99
76
–
30
–
–
–
–
–
–
–
–
–
–
–
15
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 18. Defined benefit plans: Plan sponsor, private industry workers, National
Compensation Survey, 2009—Continued
(All workers participating in defined benefit plans = 100 percent)
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Single
employer
Total
Multiemployer1
Other2
100
100
100
100
100
100
61
56
73
74
64
82
–
–
–
–
–
–
–
–
–
–
–
–
100
100
100
100
100
100
100
100
74
65
71
67
85
71
78
67
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 Plans established by a labor organization and provided to
employees of two or more unrelated companies in accordance
with a collective bargaining agreement.
2 Includes plans administered by employer associations and
the United States Railroad Retirement Board.
3 The categories are based on the average wage for each
occupation surveyed, which may include workers both above and
below the threshold. The average wages are based on the
estimates published in the "National Compensation Survey:
Occupational Earnings in the United States, 2008." See Technical
Note for more details.
NOTE: Because of rounding, sums of individual items may not
equal totals. Dashes indicate that no data were reported or that
data do not meet publication criteria. For definitions of major
plans, key provisions, and related terms, see the "Glossary of
Employee
Benefit
Terms"
at
www.bls.gov/ncs/ebs/glossary20092010.htm.
Table 18. Standard errors for defined benefit plans: Plan sponsor, private
industry workers, National Compensation Survey, 2009
Characteristics
Single
employer
Multiemployer1
Other2
Worker characteristic
All workers ........................................................................
2.5
–
–
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Sales and office ................................................................
Sales and related ..........................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Installation, maintenance, and repair ............................
Production, transportation, and material moving ..............
Production .....................................................................
Transportation and material moving .............................
2.6
2.4
3.8
3.9
4.1
10.4
2.5
–
–
8.0
5.7
3.9
7.7
–
–
–
–
–
–
–
5.0
3.0
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Full time ............................................................................
Part time ............................................................................
2.5
7.1
–
–
–
–
Union .................................................................................
Nonunion ...........................................................................
–
2.5
3.9
–
–
–
Average wage within the following categories:3
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
7.5
5.8
3.7
2.8
3.7
–
–
–
–
–
–
–
–
–
–
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
3.9
–
4.5
3.9
1.3
4.5
–
–
–
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Retail trade ................................................................
Information ....................................................................
Financial activities .........................................................
Finance and insurance ..............................................
Credit intermediation and related activities ...........
Insurance carriers and related activities ...............
Education and health services ......................................
Educational services .................................................
Junior colleges, colleges, and universities ............
Health care and social assistance ............................
2.6
5.5
7.7
6.7
0.4
0.2
0.3
0.1
6.5
16.6
0.4
6.9
–
4.4
–
–
–
–
–
–
–
–
–
–
–
4.2
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 18. Standard errors for defined benefit plans: Plan sponsor, private
industry workers, National Compensation Survey, 2009—Continued
Single
employer
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Multiemployer1
Other2
5.4
7.0
7.0
3.0
4.5
3.1
–
–
–
–
–
–
–
–
–
–
–
–
13.4
3.2
5.4
6.5
5.3
6.7
6.9
10.2
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 Plans established by a labor organization and
provided to employees of two or more unrelated
companies in accordance with a collective bargaining
agreement.
2 Includes
plans administered by employer
associations and the United States Railroad Retirement
Board.
3 The categories are based on the average wage for
each occupation surveyed, which may include workers
both above and below the threshold. The average wages
are based on the estimates published in the "National
Compensation Survey: Occupational Earnings in the
United States, 2008." See Technical Note for more
details.
NOTE: Dashes indicate that no data were reported or
that data do not meet publication criteria. For definitions
of major plans, key provisions, and related terms, see
the "Glossary of Employee Benefit Terms" at
www.bls.gov/ncs/ebs/glossary20092010.htm.
Table 19. Defined benefit plans: Primary formula, private industry workers, National Compensation Survey, 2009
(All workers participating in defined benefit plans = 100 percent)
Traditional plan formula
Characteristics
Total
Traditional
Percent of
terminal
earnings
Percent of
career
earnings
Dollar
amount
Non-traditional plan formula
Percent of
employer
contribution
Nontraditional
Cash
balance
Pension
equity
Other
Worker characteristic
All workers ........................................................................
100
75
35
11
24
6
25
23
–
–
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Sales and office ................................................................
Sales and related ..........................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Installation, maintenance, and repair ............................
Production, transportation, and material moving ..............
Production .....................................................................
Transportation and material moving .............................
100
100
100
100
100
100
100
100
100
100
100
100
100
64
58
68
78
69
81
64
85
–
73
91
86
–
37
33
40
32
37
29
39
–
–
33
40
39
41
17
14
19
–
–
–
13
–
–
–
–
–
–
–
–
–
32
21
44
–
42
53
27
35
38
33
–
–
–
–
–
–
–
21
36
–
–
–
–
36
42
32
22
31
19
36
15
–
27
9
14
–
33
40
29
17
31
19
36
15
–
27
7
11
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Full time ............................................................................
Part time ............................................................................
100
100
74
81
36
25
11
–
21
44
6
–
26
19
24
17
–
–
–
–
Union .................................................................................
Nonunion ...........................................................................
100
100
87
67
22
42
6
14
45
–
13
–
13
33
11
31
–
–
–
–
Average wage within the following categories:1
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
100
100
100
100
100
77
80
76
71
67
36
37
39
31
30
–
–
–
12
–
–
26
24
21
18
–
–
–
7
–
23
20
24
29
33
22
18
23
26
28
–
–
–
–
–
–
–
–
–
–
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
100
100
100
84
–
81
27
–
35
3
–
–
39
52
36
15
41
–
16
–
19
13
–
16
–
–
–
–
–
–
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Retail trade ................................................................
Information ....................................................................
Financial activities .........................................................
Finance and insurance ..............................................
Credit intermediation and related activities ...........
Insurance carriers and related activities ...............
Education and health services ......................................
Junior colleges, colleges, and universities ............
Health care and social assistance ............................
100
100
100
100
100
100
100
100
100
100
100
72
91
–
47
47
47
34
62
76
–
75
37
39
28
–
26
27
13
53
46
30
46
–
–
–
–
13
13
16
–
–
25
–
19
36
49
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
28
9
–
53
53
53
66
38
24
–
25
27
9
–
45
52
53
65
37
21
–
22
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
100
100
100
100
100
100
81
78
–
73
78
68
38
38
39
33
33
34
15
–
–
–
–
–
17
15
–
27
35
20
11
–
–
–
–
–
19
22
–
27
22
32
18
22
–
25
19
30
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 19. Defined benefit plans: Primary formula, private industry workers, National Compensation Survey, 2009—Continued
(All workers participating in defined benefit plans = 100 percent)
Traditional plan formula
Characteristics
Total
Traditional
Percent of
terminal
earnings
Percent of
career
earnings
Dollar
amount
Non-traditional plan formula
Percent of
employer
contribution
Nontraditional
Cash
balance
Pension
equity
Other
Geographic area
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
West South Central ...........................................................
Pacific ...............................................................................
100
100
100
100
100
100
73
74
79
69
83
77
1 The categories are based on the average wage for each occupation surveyed, which may include
workers both above and below the threshold. The average wages are based on the estimates published in
the "National Compensation Survey: Occupational Earnings in the United States, 2008." See Technical
Note for more details.
37
29
34
40
45
34
–
–
–
–
–
–
26
34
23
18
–
15
–
–
–
–
–
–
27
26
21
31
17
23
25
22
21
29
16
22
–
–
–
–
–
–
–
–
–
–
–
–
NOTE: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data
were reported or that data do not meet publication criteria. For definitions of major plans, key provisions,
and
related
terms,
see
the
"Glossary
of
Employee
Benefit
Terms"
at
www.bls.gov/ncs/ebs/glossary20092010.htm.
Table 19. Standard errors for defined benefit plans: Primary formula, private industry workers, National Compensation Survey,
2009
Traditional plan formula
Characteristics
Traditional
Percent of
terminal
earnings
Percent of
career
earnings
Dollar
amount
Non-traditional plan formula
Percent of
employer
contribution
Nontraditional
Cash
balance
Pension
equity
Other
Worker characteristic
All workers ........................................................................
1.6
2.6
1.3
1.7
1.4
1.6
1.5
–
–
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Sales and office ................................................................
Sales and related ..........................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Installation, maintenance, and repair ............................
Production, transportation, and material moving ..............
Production .....................................................................
Transportation and material moving .............................
2.6
4.9
3.0
3.2
3.2
4.9
3.9
3.7
–
7.3
2.3
3.8
–
3.2
3.9
3.9
7.7
4.4
8.5
4.8
–
–
7.3
6.3
6.7
8.1
2.6
3.3
3.6
–
–
–
2.2
–
–
–
–
–
–
–
–
–
8.8
4.3
10.0
–
6.7
9.1
7.8
4.5
5.1
6.5
–
–
–
–
–
–
–
5.4
9.2
–
–
–
–
2.6
4.9
3.0
3.2
3.2
4.9
3.9
3.7
–
7.3
2.3
3.8
–
2.8
5.2
3.3
3.9
3.1
4.6
3.9
3.7
–
7.3
1.9
3.0
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Full time ............................................................................
Part time ............................................................................
1.8
2.6
2.5
5.1
1.5
–
1.8
4.9
1.2
–
1.8
2.6
1.7
2.7
–
–
–
–
Union .................................................................................
Nonunion ...........................................................................
2.2
2.4
4.0
3.0
1.5
2.0
3.2
–
3.5
–
2.2
2.4
1.8
2.6
–
–
–
–
Average wage within the following categories:1
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
4.7
3.6
2.8
2.0
3.1
6.9
4.5
4.1
2.8
4.7
–
–
–
1.8
–
–
3.8
2.6
2.5
4.5
–
–
–
2.0
–
4.7
3.6
2.8
2.0
3.1
4.7
2.8
2.7
2.1
3.8
–
–
–
–
–
–
–
–
–
–
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
3.5
–
4.3
3.4
–
4.6
0.9
–
–
4.5
8.4
4.7
3.1
8.8
–
3.5
–
4.3
2.9
–
3.6
–
–
–
–
–
–
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Retail trade ................................................................
Information ....................................................................
Financial activities .........................................................
Finance and insurance ..............................................
Credit intermediation and related activities ...........
Insurance carriers and related activities ...............
Education and health services ......................................
Junior colleges, colleges, and universities ............
Health care and social assistance ............................
2.1
2.0
–
9.2
4.5
4.9
5.6
7.3
3.6
–
4.0
3.2
4.8
6.9
–
4.0
4.0
3.3
7.6
6.4
4.8
6.6
–
–
–
–
2.7
2.8
4.1
–
–
3.8
–
2.1
4.7
7.5
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
2.1
2.0
–
9.2
4.5
4.9
5.6
7.3
3.6
–
4.0
2.1
2.0
–
9.4
4.5
4.9
5.6
7.3
3.7
–
4.1
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
3.7
4.7
–
1.8
2.8
3.0
5.2
6.4
8.4
2.7
4.4
2.9
2.7
–
–
–
–
–
3.2
3.6
–
2.0
4.0
2.2
3.1
–
–
–
–
–
3.7
4.7
–
1.8
2.8
3.0
3.4
4.7
–
1.8
2.3
3.4
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 19. Standard errors for defined benefit plans: Primary formula, private industry workers, National Compensation Survey,
2009—Continued
Traditional plan formula
Characteristics
Traditional
Percent of
terminal
earnings
Percent of
career
earnings
Dollar
amount
Non-traditional plan formula
Percent of
employer
contribution
Nontraditional
Cash
balance
Pension
equity
Other
Geographic area
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
West South Central ...........................................................
Pacific ...............................................................................
4.2
3.5
4.9
3.7
4.8
3.0
6.2
3.8
3.4
7.2
6.6
7.9
1 The categories are based on the average wage for each occupation surveyed, which may
include workers both above and below the threshold. The average wages are based on the estimates
published in the "National Compensation Survey: Occupational Earnings in the United States, 2008."
See Technical Note for more details.
–
–
–
–
–
–
4.8
4.5
5.5
4.5
–
3.0
–
–
–
–
–
–
4.2
3.5
4.9
3.7
4.8
3.0
3.9
3.1
4.9
4.2
4.3
2.7
–
–
–
–
–
–
–
–
–
–
–
–
NOTE: Dashes indicate that no data were reported or that data do not meet publication criteria. For
definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit
Terms" at www.bls.gov/ncs/ebs/glossary20092010.htm.
Table 20. Defined contribution plans: Type of plan and method of contribution, private industry workers, National Compensation
Survey, 2009
(All workers participating in defined contribution plans = 100 percent)
Type of plan1
Characteristics
Savings and
thrift
Deferred
profit
sharing
Employee
stock
ownership
Money
purchase
pension
Method of contribution1
Simplified
employee
pension
(SEP)
Savings
incentive
match plan
(SIMPLE)
Pre-tax
contribution
Other
Roth 401(k)
contribution
(post-tax)2
Worker characteristic
All workers ........................................................................
64
23
4
18
2
4
–
82
22
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Protective service ..........................................................
Sales and office ................................................................
Sales and related ..........................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Installation, maintenance, and repair ............................
Production, transportation, and material moving ..............
Production .....................................................................
Transportation and material moving .............................
70
76
66
58
71
60
55
63
55
44
67
65
64
67
19
18
20
16
–
28
39
22
19
–
19
26
24
28
–
–
–
–
–
4
–
3
–
–
–
–
–
–
21
16
24
20
–
14
–
16
25
35
–
16
17
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
5
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
87
88
86
77
82
81
82
80
73
64
82
80
79
82
24
26
23
24
–
22
19
24
15
–
22
18
21
13
Full time ............................................................................
Part time ............................................................................
65
50
22
27
3
–
18
19
2
–
4
–
–
–
82
76
22
16
Union .................................................................................
Nonunion ...........................................................................
57
65
16
23
–
4
37
16
–
2
–
4
–
–
77
82
24
22
Average wage within the following categories:3
Lowest 25 percent .........................................................
Lowest 10 percent .....................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
55
54
59
63
71
74
31
–
24
24
18
16
–
–
6
2
–
–
12
–
16
19
21
21
–
–
–
–
–
–
–
–
6
5
–
–
–
–
–
–
–
–
77
70
79
81
86
89
22
–
15
20
28
35
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
63
47
66
24
–
23
–
–
–
21
–
22
–
–
–
–
–
–
–
–
–
76
59
80
16
–
20
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Wholesale trade ........................................................
Retail trade ................................................................
Transportation and warehousing ..............................
Utilities ......................................................................
Information ....................................................................
Financial activities .........................................................
Finance and insurance ..............................................
Credit intermediation and related activities ...........
Insurance carriers and related activities ...............
Real estate and rental and leasing ...........................
Professional and business services ..............................
Professional and technical services ..........................
Administrative and waste services ............................
Education and health services ......................................
Educational services .................................................
Junior colleges, colleges, and universities ............
Health care and social assistance ............................
Leisure and hospitality ..................................................
Accommodation and food services ...........................
Other services ...............................................................
64
62
77
52
67
–
80
82
86
86
86
–
65
66
–
55
35
33
60
–
–
–
22
33
–
45
–
–
–
19
19
–
–
–
–
–
–
–
–
–
–
–
–
–
5
7
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
17
–
–
–
–
–
–
–
–
–
–
–
–
–
–
41
65
71
35
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
4
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
84
84
89
80
85
99
86
92
95
95
95
73
82
77
87
84
82
80
85
61
59
86
23
18
23
12
–
69
35
31
35
24
45
–
32
35
–
12
12
15
12
37
–
21
Establishment characteristic
See footnotes at end of table.
Table 20. Defined contribution plans: Type of plan and method of contribution, private industry workers, National Compensation
Survey, 2009—Continued
(All workers participating in defined contribution plans = 100 percent)
Type of plan1
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Savings and
thrift
Deferred
profit
sharing
Employee
stock
ownership
Money
purchase
pension
Method of contribution1
Simplified
employee
pension
(SEP)
Savings
incentive
match plan
(SIMPLE)
Pre-tax
contribution
Other
Roth 401(k)
contribution
(post-tax)2
56
52
64
70
65
77
25
22
33
21
25
15
4
–
–
–
–
–
15
17
–
20
18
23
4
–
–
–
–
–
9
11
–
–
–
–
–
–
–
–
–
–
76
73
81
86
84
89
17
18
14
26
25
27
71
62
62
57
66
58
69
62
64
–
13
23
25
25
24
29
22
24
–
–
–
–
–
–
–
–
–
–
24
28
–
15
–
14
–
16
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
87
77
82
79
85
71
86
80
83
33
25
23
18
22
14
22
21
19
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 Sum of individual items may be greater than total because multiple plans or methods of
contribution are available to some employees.
2 Plans that combine features of traditional Roth IRA plans and 401(k) plans. Under these plans
employees are allowed to have part or all of their retirement plan contributions be subject to all the same
post-tax treatment as under a Roth IRA plan.
3 The categories are based on the average wage for each occupation surveyed, which may include
workers both above and below the threshold. The average wages are based on the estimates published
in the "National Compensation Survey: Occupational Earnings in the United States, 2008." See
Technical Note for more details.
NOTE: Dashes indicate that no data were reported or that data do not meet publication criteria. For
definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit
Terms" at www.bls.gov/ncs/ebs/glossary20092010.htm.
Table 20. Standard errors for defined contribution plans: Type of plan and method of contribution, private industry workers, National
Compensation Survey, 2009
Type of plan
Characteristics
Savings and
thrift
Deferred
profit
sharing
Employee
stock
ownership
Money
purchase
pension
Method of contribution
Simplified
employee
pension
(SEP)
Savings
incentive
match plan
(SIMPLE)
Pre-tax
contribution
Other
Roth 401(k)
contribution
(post-tax)1
Worker characteristic
All workers ........................................................................
1.5
1.6
1.1
1.5
0.6
0.8
–
1.4
1.3
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Protective service ..........................................................
Sales and office ................................................................
Sales and related ..........................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Installation, maintenance, and repair ............................
Production, transportation, and material moving ..............
Production .....................................................................
Transportation and material moving .............................
2.3
2.6
2.8
6.1
8.7
2.9
3.7
3.4
4.1
6.3
4.7
2.8
3.9
3.6
2.6
2.5
3.1
3.3
–
2.3
4.3
2.3
3.3
–
3.4
3.0
3.6
4.1
–
–
–
–
–
1.0
–
0.8
–
–
–
–
–
–
2.6
2.5
3.2
3.7
–
2.5
–
2.6
4.4
7.4
–
2.2
3.1
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1.2
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1.9
2.4
2.2
6.2
5.8
2.1
3.2
2.7
4.0
6.6
3.5
2.7
3.8
3.2
2.0
2.3
2.6
4.6
–
1.9
2.9
2.4
2.8
–
4.3
2.8
3.8
3.7
Full time ............................................................................
Part time ............................................................................
1.6
4.6
1.6
4.5
0.9
–
1.5
5.3
0.6
–
0.9
–
–
–
1.4
5.6
1.4
3.2
Union .................................................................................
Nonunion ...........................................................................
4.2
1.5
3.6
1.7
–
1.1
4.3
1.6
–
0.6
–
0.9
–
–
4.6
1.4
3.8
1.4
Average wage within the following categories:2
Lowest 25 percent .........................................................
Lowest 10 percent .....................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
4.7
11.2
3.3
2.2
1.8
2.0
4.3
–
2.2
2.4
2.1
2.1
–
–
1.7
0.6
–
–
3.5
–
3.0
2.3
2.5
2.9
–
–
–
–
–
–
–
–
1.8
1.2
–
–
–
–
–
–
–
–
4.4
11.0
2.7
1.9
1.7
2.0
4.0
–
1.6
1.9
2.1
3.3
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
3.1
6.8
3.5
3.2
–
3.4
–
–
–
2.7
–
3.0
–
–
–
–
–
–
–
–
–
2.9
7.9
3.6
2.2
–
2.7
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Wholesale trade ........................................................
Retail trade ................................................................
Transportation and warehousing ..............................
Utilities ......................................................................
Information ....................................................................
Financial activities .........................................................
Finance and insurance ..............................................
Credit intermediation and related activities ...........
Insurance carriers and related activities ...............
Real estate and rental and leasing ...........................
Professional and business services ..............................
Professional and technical services ..........................
Administrative and waste services ............................
Education and health services ......................................
Educational services .................................................
Junior colleges, colleges, and universities ............
Health care and social assistance ............................
Leisure and hospitality ..................................................
Accommodation and food services ...........................
Other services ...............................................................
1.9
2.9
4.7
4.1
6.9
–
7.0
2.5
2.1
2.7
4.7
–
5.0
5.6
–
4.2
4.4
3.6
5.1
–
–
–
1.7
2.9
–
4.6
–
–
–
2.7
2.6
–
–
–
–
–
–
–
–
–
–
–
–
–
1.3
1.8
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1.8
–
–
–
–
–
–
–
–
–
–
–
–
–
–
4.3
4.9
4.3
5.3
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1.0
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1.5
1.8
3.3
2.6
4.9
0.8
6.4
2.0
1.1
1.6
1.8
12.1
3.7
5.4
6.7
3.2
3.7
2.6
3.8
13.4
15.8
12.3
1.6
2.5
6.1
2.0
–
7.7
8.7
3.7
3.9
3.7
6.5
–
4.8
6.7
–
2.3
2.1
1.7
2.8
10.2
–
6.0
Establishment characteristic
See footnotes at end of table.
Table 20. Standard errors for defined contribution plans: Type of plan and method of contribution, private industry workers, National
Compensation Survey, 2009—Continued
Type of plan
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Savings and
thrift
Deferred
profit
sharing
Employee
stock
ownership
Money
purchase
pension
Method of contribution
Simplified
employee
pension
(SEP)
Savings
incentive
match plan
(SIMPLE)
Pre-tax
contribution
Other
Roth 401(k)
contribution
(post-tax)1
2.5
2.9
4.6
1.9
2.5
2.4
3.1
2.8
6.2
1.7
2.1
2.8
1.2
–
–
–
–
–
2.3
3.0
–
2.0
2.8
2.6
1.3
–
–
–
–
–
1.8
2.4
–
–
–
–
–
–
–
–
–
–
2.4
2.9
3.7
2.0
2.7
2.1
2.0
2.2
3.3
2.0
2.9
2.5
7.8
5.4
3.2
6.2
2.8
8.4
3.2
6.5
3.7
–
3.1
3.1
5.2
4.7
5.5
5.2
3.5
5.3
–
–
–
–
–
–
–
–
–
–
3.6
4.0
–
3.7
–
3.7
–
3.8
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
8.8
4.9
2.7
6.5
2.9
8.9
2.5
6.4
1.2
3.4
4.8
3.9
3.7
3.3
3.8
3.1
1.9
3.5
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 Plans that combine features of traditional Roth IRA plans and 401(k) plans. Under these plans
employees are allowed to have part or all of their retirement plan contributions be subject to all the same
post-tax treatment as under a Roth IRA plan.
2 The categories are based on the average wage for each occupation surveyed, which may include
workers both above and below the threshold. The average wages are based on the estimates published
in the "National Compensation Survey: Occupational Earnings in the United States, 2008." See
Technical Note for more details.
NOTE: Dashes indicate that no data were reported or that data do not meet publication criteria. For
definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit
Terms" at www.bls.gov/ncs/ebs/glossary20092010.htm.
Table 21. Defined contribution plans: Plan sponsor, private industry workers,
National Compensation Survey, 2009
(All workers participating in defined contribution plans = 100 percent)
Characteristics
Single
employer
Multiemployer1
Employer
association
Other
Worker characteristic
All workers ........................................................................
97
3
–
–
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Protective service ..........................................................
Sales and office ................................................................
Sales and related ..........................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Installation, maintenance, and repair ............................
Production, transportation, and material moving ..............
Production .....................................................................
Transportation and material moving .............................
98
98
99
98
98
99
100
99
81
73
89
97
96
98
–
–
–
–
–
–
–
1
17
25
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Full time ............................................................................
Part time ............................................................................
97
99
3
–
–
–
–
–
Union .................................................................................
Nonunion ...........................................................................
74
99
23
–
–
–
–
–
Average wage within the following categories:2
Lowest 25 percent .........................................................
Lowest 10 percent .....................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
99
100
98
98
95
96
–
–
–
2
4
–
–
–
–
–
–
–
–
–
–
–
–
–
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
93
83
95
7
–
–
–
–
–
–
–
–
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Wholesale trade ........................................................
Retail trade ................................................................
Transportation and warehousing ..............................
Utilities ......................................................................
Information ....................................................................
Financial activities .........................................................
Finance and insurance ..............................................
Credit intermediation and related activities ...........
Insurance carriers and related activities ...............
Real estate and rental and leasing ...........................
Professional and business services ..............................
Professional and technical services ..........................
Administrative and waste services ............................
Education and health services ......................................
Educational services .................................................
Junior colleges, colleges, and universities ............
Health care and social assistance ............................
Leisure and hospitality ..................................................
Accommodation and food services ...........................
Other services ...............................................................
98
99
100
100
100
76
89
100
100
100
100
100
97
99
92
99
99
99
99
100
100
93
1
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 21. Defined contribution plans: Plan sponsor, private industry workers,
National Compensation Survey, 2009—Continued
(All workers participating in defined contribution plans = 100 percent)
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Single
employer
Multiemployer1
Employer
association
Other
98
97
98
96
96
96
2
3
–
3
–
–
–
–
–
–
–
–
–
–
–
–
–
–
98
95
97
97
98
98
98
99
94
–
4
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 Defined contribution plans offered by multi-employers cover
employees of two or more unrelated employers and are governed
by a collective bargaining agreement.
2 The categories are based on the average wage for each
occupation surveyed, which may include workers both above and
below the threshold. The average wages are based on the
estimates published in the "National Compensation Survey:
Occupational Earnings in the United States, 2008." See Technical
Note for more details.
NOTE: Dashes indicate that no data were reported or that data
do not meet publication criteria. For definitions of major plans,
key provisions, and related terms, see the "Glossary of Employee
Benefit Terms" at www.bls.gov/ncs/ebs/glossary20092010.htm.
Table 21. Standard errors for defined contribution plans: Plan sponsor, private
industry workers, National Compensation Survey, 2009
Characteristics
Single
employer
Multiemployer1
Employer
association
Other
Worker characteristic
All workers ........................................................................
0.5
0.5
–
–
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Protective service ..........................................................
Sales and office ................................................................
Sales and related ..........................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Installation, maintenance, and repair ............................
Production, transportation, and material moving ..............
Production .....................................................................
Transportation and material moving .............................
0.7
0.9
0.6
1.1
1.8
0.3
0.1
0.4
4.1
6.5
3.9
1.4
1.6
1.3
–
–
–
–
–
–
–
0.4
4.0
6.5
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Full time ............................................................................
Part time ............................................................................
0.6
0.7
0.5
–
–
–
–
–
Union .................................................................................
Nonunion ...........................................................................
3.6
0.3
3.7
–
–
–
–
–
Average wage within the following categories:2
Lowest 25 percent .........................................................
Lowest 10 percent .....................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
0.4
0.0
0.6
0.6
1.2
1.2
–
–
–
0.5
1.0
–
–
–
–
–
–
–
–
–
–
–
–
–
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
1.9
5.3
2.2
1.8
–
–
–
–
–
–
–
–
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Wholesale trade ........................................................
Retail trade ................................................................
Transportation and warehousing ..............................
Utilities ......................................................................
Information ....................................................................
Financial activities .........................................................
Finance and insurance ..............................................
Credit intermediation and related activities ...........
Insurance carriers and related activities ...............
Real estate and rental and leasing ...........................
Professional and business services ..............................
Professional and technical services ..........................
Administrative and waste services ............................
Education and health services ......................................
Educational services .................................................
Junior colleges, colleges, and universities ............
Health care and social assistance ............................
Leisure and hospitality ..................................................
Accommodation and food services ...........................
Other services ...............................................................
0.5
0.4
0.0
0.1
0.3
7.0
5.1
(3)
(3)
(3)
(3)
0.0
1.7
1.0
5.7
0.5
0.6
1.0
0.5
0.0
0.0
5.8
0.3
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 21. Standard errors for defined contribution plans: Plan sponsor, private
industry workers, National Compensation Survey, 2009—Continued
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Single
employer
Multiemployer1
Employer
association
Other
0.7
0.8
0.9
0.9
1.1
1.2
0.6
0.8
–
0.8
–
–
–
–
–
–
–
–
–
–
–
–
–
–
2.1
1.3
1.3
1.9
0.8
1.6
1.8
0.6
2.2
–
1.0
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 Defined contribution plans offered by multi-employers cover
employees of two or more unrelated employers and are governed
by a collective bargaining agreement.
2 The categories are based on the average wage for each
occupation surveyed, which may include workers both above and
below the threshold. The average wages are based on the
estimates published in the "National Compensation Survey:
Occupational Earnings in the United States, 2008." See Technical
Note for more details.
3 Less than 0.05.
NOTE: Dashes indicate that no data were reported or that data
do not meet publication criteria. For definitions of major plans,
key provisions, and related terms, see the "Glossary of Employee
Benefit Terms" at www.bls.gov/ncs/ebs/glossary20092010.htm.
Table 22. Savings and thrift plans: Summary of provisions, private industry workers,
National Compensation Survey, 2009
(All workers participating in savings and thrift plans = 100 percent)
Characteristics
Pre-tax
contribution
Roth 401(k)
contribution
(post-tax)1
Automatic
enrollment
provision2
Automatic
escalation
feature
Worker characteristic
All workers ........................................................................
100
30
19
8
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Protective service ..........................................................
Sales and office ................................................................
Sales and related ..........................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Installation, maintenance, and repair ............................
Production, transportation, and material moving ..............
Production .....................................................................
Transportation and material moving .............................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
32
33
32
31
–
32
29
33
23
–
29
22
27
–
19
18
20
13
–
20
26
18
10
–
13
24
24
25
9
8
10
–
–
7
–
7
–
–
–
10
15
–
Full time ............................................................................
Part time ............................................................................
100
100
30
22
19
20
8
–
Union .................................................................................
Nonunion ...........................................................................
100
100
35
29
17
19
7
8
Average wage within the following categories:3
Lowest 25 percent .........................................................
Lowest 10 percent .....................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
100
100
100
100
100
100
30
–
20
27
37
44
11
–
21
18
21
22
–
–
7
8
10
10
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
100
100
100
21
–
25
20
–
23
14
–
16
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Wholesale trade ........................................................
Retail trade ................................................................
Transportation and warehousing ..............................
Information ....................................................................
Financial activities .........................................................
Finance and insurance ..............................................
Credit intermediation and related activities ...........
Insurance carriers and related activities ...............
Professional and business services ..............................
Professional and technical services ..........................
Education and health services ......................................
Educational services .................................................
Junior colleges, colleges, and universities ............
Health care and social assistance ............................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
32
26
26
22
–
44
36
38
25
51
46
49
14
19
20
13
19
23
–
23
–
–
26
28
13
46
–
–
15
–
–
17
6
4
–
–
–
–
12
13
–
–
–
–
9
–
–
11
Establishment characteristic
See footnotes at end of table.
Table 22. Savings and thrift plans: Summary of provisions, private industry workers,
National Compensation Survey, 2009—Continued
(All workers participating in savings and thrift plans = 100 percent)
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Pre-tax
contribution
Roth 401(k)
contribution
(post-tax)1
Automatic
enrollment
provision2
Automatic
escalation
feature
100
100
100
100
100
100
22
24
17
34
36
32
9
10
8
25
22
28
–
–
–
10
6
15
100
100
100
100
100
100
100
100
100
42
–
33
22
29
19
28
30
25
–
17
18
23
16
30
18
22
19
–
–
–
–
–
–
8
11
–
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 Plans that combine features of traditional Roth IRA plans
and 401(k) plans. Under these plans employees are allowed to
have part or all of their retirement plan contributions be subject to
all the same post-tax treatment as under a Roth IRA plan.
2 The employer that sponsors the plan automatically enrolls
employees in the plan at a specified rate of contribution (e.g., 3
percent of earnings), unless the employee opts out of the plan.
3 The categories are based on the average wage for each
occupation surveyed, which may include workers both above and
below the threshold. The average wages are based on the
estimates published in the "National Compensation Survey:
Occupational Earnings in the United States, 2008." See Technical
Note for more details.
NOTE: Dashes indicate that no data were reported or that data
do not meet publication criteria. For definitions of major plans,
key provisions, and related terms, see the "Glossary of Employee
Benefit Terms" at www.bls.gov/ncs/ebs/glossary20092010.htm.
Table 22. Standard errors for savings and thrift plans: Summary of provisions, private
industry workers, National Compensation Survey, 2009
Characteristics
Pre-tax
contribution
Roth 401(k)
contribution
(post-tax)1
Automatic
enrollment
provision2
Automatic
escalation
feature
Worker characteristic
All workers ........................................................................
0.0
2.2
1.5
1.0
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Protective service ..........................................................
Sales and office ................................................................
Sales and related ..........................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Installation, maintenance, and repair ............................
Production, transportation, and material moving ..............
Production .....................................................................
Transportation and material moving .............................
3
( )
0.0
0.0
0.0
(3)
(3)
0.0
(3)
0.0
0.0
0.0
0.0
(3)
0.0
2.7
3.1
3.6
6.4
–
3.2
4.6
3.8
4.3
–
6.2
3.7
4.8
–
2.5
2.4
3.3
2.7
–
2.0
4.4
2.1
2.5
–
3.8
3.9
4.7
5.6
1.5
1.7
1.9
–
–
1.5
–
1.6
–
–
–
2.7
4.4
–
Full time ............................................................................
Part time ............................................................................
0.0
0.0
2.2
4.3
1.6
3.6
1.0
–
Union .................................................................................
Nonunion ...........................................................................
0.0
0.0
5.0
2.3
3.7
1.6
1.7
1.1
Average wage within the following categories:4
Lowest 25 percent .........................................................
Lowest 10 percent .....................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
0.0
0.0
0.0
(3)
0.0
0.0
5.9
–
2.5
2.7
2.8
4.2
2.4
–
2.1
1.9
2.5
4.2
–
–
1.5
1.3
1.5
2.0
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
0.0
0.0
(3)
2.9
–
3.3
3.5
–
4.6
3.4
–
4.4
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Wholesale trade ........................................................
Retail trade ................................................................
Transportation and warehousing ..............................
Information ....................................................................
Financial activities .........................................................
Finance and insurance ..............................................
Credit intermediation and related activities ...........
Insurance carriers and related activities ...............
Professional and business services ..............................
Professional and technical services ..........................
Education and health services ......................................
Educational services .................................................
Junior colleges, colleges, and universities ............
Health care and social assistance ............................
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
(3)
0.0
0.0
0.0
0.0
0.0
0.0
2.7
3.6
7.1
3.7
–
8.9
4.3
4.4
4.1
6.8
6.8
9.1
3.1
5.0
2.9
3.4
1.7
3.0
–
4.5
–
–
3.3
3.5
2.7
6.7
–
–
3.0
–
–
3.4
1.0
0.8
–
–
–
–
3.1
3.2
–
–
–
–
2.7
–
–
3.1
Establishment characteristic
See footnotes at end of table.
Table 22. Standard errors for savings and thrift plans: Summary of provisions, private
industry workers, National Compensation Survey, 2009—Continued
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Pre-tax
contribution
Roth 401(k)
contribution
(post-tax)1
Automatic
enrollment
provision2
Automatic
escalation
feature
0.0
0.0
0.0
0.0
0.0
(3)
3.1
3.4
4.6
2.9
4.3
3.1
1.7
2.5
1.9
2.1
3.0
2.9
–
–
–
1.3
1.4
2.6
0.0
0.0
0.0
(3)
0.0
0.0
0.0
(3)
0.0
7.0
–
6.0
6.1
4.6
4.9
4.3
4.6
4.0
–
1.5
4.1
4.6
3.2
7.0
1.6
4.6
5.0
–
–
–
–
–
–
1.6
2.7
–
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 Plans that combine features of traditional Roth IRA plans
and 401(k) plans. Under these plans employees are allowed to
have part or all of their retirement plan contributions be subject to
all the same post-tax treatment as under a Roth IRA plan.
2 The employer that sponsors the plan automatically enrolls
employees in the plan at a specified rate of contribution (e.g., 3
percent of earnings), unless the employee opts out of the plan.
3 Less than 0.05.
4 The categories are based on the average wage for each
occupation surveyed, which may include workers both above and
below the threshold. The average wages are based on the
estimates published in the "National Compensation Survey:
Occupational Earnings in the United States, 2008." See Technical
Note for more details.
NOTE: Dashes indicate that no data were reported or that data
do not meet publication criteria. For definitions of major plans,
key provisions, and related terms, see the "Glossary of Employee
Benefit Terms" at www.bls.gov/ncs/ebs/glossary20092010.htm.
Table 23. Savings and thrift plans: Automatic enrollment,1 private industry workers, National Compensation Survey, 2009
(All workers participating in savings and thrift plans = 100 percent)
With automatic enrollment
Characteristics
Total
No
Automatic
Default contribution as percent of earnings
automatic
Default
Default
Not
enrollment
contribution
contribution enrollment determinable
50th
available
available
as percent
not
10th
25th
75th
90th
percentile
percentile percentile determinable
of earnings percentile percentile
(median)
Worker characteristic
All workers ........................................................................
100
19
18
2
3
3
3
4
1
74
7
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Sales and office ................................................................
Sales and related ..........................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Installation, maintenance, and repair ............................
Production, transportation, and material moving ..............
Production .....................................................................
Transportation and material moving .............................
100
100
100
100
100
100
100
100
100
100
100
100
100
19
18
20
13
20
26
18
10
–
13
24
24
25
18
18
18
13
19
24
16
9
–
–
24
24
25
2
2
2
–
–
–
2
–
–
–
–
–
–
2
2
2
–
–
–
3
–
–
–
–
–
–
3
3
3
–
–
–
3
–
–
–
–
–
–
3
4
3
–
–
–
3
–
–
–
–
–
–
4
5
4
–
–
–
5
–
–
–
–
–
–
1
(2)
1
(2)
2
2
2
(2)
–
1
2
( )
(2)
–
74
75
73
83
73
65
77
79
84
76
68
71
64
7
7
8
4
6
9
5
11
–
11
7
4
11
Full time ............................................................................
Part time ............................................................................
100
100
19
20
18
19
2
–
3
–
3
–
3
–
4
–
1
1
74
77
7
3
Union .................................................................................
Nonunion ...........................................................................
100
100
17
19
17
18
–
–
–
–
–
–
–
–
–
–
–
1
73
74
11
7
Average wage within the following categories:3
Lowest 25 percent .........................................................
Lowest 10 percent .....................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
100
100
100
100
100
100
11
–
21
18
21
22
10
–
19
17
21
21
–
–
1
2
–
–
–
–
3
3
–
–
–
–
3
3
–
–
–
–
3
3
–
–
–
–
3
5
–
–
(2)
1
2
1
1
1
86
95
73
77
69
67
3
–
6
5
10
11
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
100
100
100
20
–
23
20
–
23
2
–
–
2
–
–
3
–
–
3
–
–
4
–
–
(2)
–
(2)
73
83
71
7
–
6
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Wholesale trade ........................................................
Retail trade ................................................................
Transportation and warehousing ..............................
Information ....................................................................
Financial activities .........................................................
Finance and insurance ..............................................
Credit intermediation and related activities ...........
Insurance carriers and related activities ...............
Professional and business services ..............................
Professional and technical services ..........................
Education and health services ......................................
Educational services .................................................
Junior colleges, colleges, and universities ............
Health care and social assistance ............................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
19
23
–
23
–
–
26
28
13
46
–
–
15
–
–
17
18
23
–
22
–
–
25
27
11
46
–
–
15
–
–
16
–
–
–
–
–
–
2
2
2
2
–
–
2
–
–
2
–
–
–
–
–
–
3
3
2
3
–
–
2
–
–
2
–
–
–
–
–
–
3
3
3
3
–
–
3
–
–
3
–
–
–
–
–
–
4
4
4
5
–
–
3
–
–
3
–
–
–
–
–
–
5
5
5
5
–
–
4
–
–
4
1
1
–
1
–
2
1
1
2
1
2
–
2
( )
–
–
1
74
65
64
71
59
78
68
66
82
45
78
76
80
89
82
79
7
11
–
6
–
–
6
6
5
8
–
–
4
–
–
4
Establishment characteristic
See footnotes at end of table.
Table 23. Savings and thrift plans: Automatic enrollment,1 private industry workers, National Compensation Survey, 2009—Continued
(All workers participating in savings and thrift plans = 100 percent)
With automatic enrollment
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Total
No
Automatic
Default contribution as percent of earnings
automatic
Default
Default
Not
enrollment
contribution
contribution enrollment determinable
50th
available
available
as percent
not
10th
25th
75th
90th
percentile
percentile percentile determinable
of earnings percentile percentile
(median)
100
100
100
100
100
100
9
10
8
25
22
28
8
8
7
24
22
27
–
–
–
–
1
–
–
–
–
–
3
–
–
–
–
–
3
–
–
–
–
–
3
–
–
–
–
–
4
–
1
1
1
1
(2)
1
84
84
83
68
70
66
7
6
8
7
8
7
100
100
100
100
100
100
100
100
100
–
17
18
23
16
30
18
22
19
–
16
17
22
15
27
16
22
19
–
1
–
2
–
3
–
2
–
–
3
–
3
–
3
–
2
–
–
3
–
3
–
3
–
3
–
–
4
–
3
–
3
–
3
–
–
5
–
3
–
4
–
4
–
2
1
1
1
1
3
2
(2)
2
( )
67
75
75
69
76
65
79
74
70
–
7
7
8
8
5
4
3
10
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 The employer that sponsors the plan automatically enrolls employees in the plan at a specified rate of
contribution (e.g., 3 percent of earnings), unless the employee opts out of the plan.
2 Less than 0.5 percent.
3 The categories are based on the average wage for each occupation surveyed, which may include
workers both above and below the threshold. The average wages are based on the estimates published in the
"National Compensation Survey: Occupational Earnings in the United States, 2008." See Technical Note for
more details.
NOTE: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data were
reported or that data do not meet publication criteria. For definitions of major plans, key provisions, and related
terms, see the "Glossary of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20092010.htm.
Table 23. Standard errors for savings and thrift plans: Automatic enrollment,1 private industry workers, National Compensation
Survey, 2009
With automatic enrollment
Characteristics
No
Automatic
Default contribution as percent of earnings
Default
Default
automatic
Not
enrollment
contribution
contribution enrollment determinable
50th
available
as percent
not
available
10th
25th
75th
90th
percentile
of earnings percentile percentile
percentile percentile determinable
(median)
Worker characteristic
All workers ........................................................................
1.5
1.5
0.9
1.4
0.0
0.2
0.9
0.3
1.6
0.9
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Sales and office ................................................................
Sales and related ..........................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Installation, maintenance, and repair ............................
Production, transportation, and material moving ..............
Production .....................................................................
Transportation and material moving .............................
2.5
2.4
3.3
2.7
2.0
4.4
2.1
2.5
–
3.8
3.9
4.7
5.6
2.5
2.4
3.1
2.6
2.0
4.3
2.0
2.5
–
–
3.9
4.7
5.6
0.0
0.0
0.0
–
–
–
0.0
–
–
–
–
–
–
0.8
0.7
1.0
–
–
–
0.2
–
–
–
–
–
–
0.0
0.0
0.0
–
–
–
0.0
–
–
–
–
–
–
1.3
1.1
1.1
–
–
–
1.5
–
–
–
–
–
–
1.1
0.0
0.2
–
–
–
0.0
–
–
–
–
–
–
0.3
0.2
0.6
0.4
0.8
1.1
0.9
0.3
–
0.6
0.1
0.2
–
2.7
2.7
3.4
3.4
2.3
5.0
2.3
5.2
9.0
5.9
4.1
4.9
5.9
1.5
1.4
2.0
2.1
1.5
4.1
1.0
4.9
–
5.5
2.0
1.9
4.0
Full time ............................................................................
Part time ............................................................................
1.6
3.6
1.6
3.5
0.0
–
0.9
–
0.0
–
0.3
–
1.3
–
0.3
0.4
1.7
3.7
0.9
1.1
Union .................................................................................
Nonunion ...........................................................................
3.7
1.6
3.7
1.7
–
–
–
–
–
–
–
–
–
–
–
0.3
4.0
1.7
2.2
0.9
Average wage within the following categories:2
Lowest 25 percent .........................................................
Lowest 10 percent .....................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
2.4
–
2.1
1.9
2.5
4.2
2.4
–
2.2
1.9
2.5
4.2
–
–
0.3
0.3
–
–
–
–
1.4
0.3
–
–
–
–
0.0
0.0
–
–
–
–
0.0
0.2
–
–
–
–
1.4
0.3
–
–
0.2
0.9
0.9
0.3
0.3
0.4
2.9
2.6
2.4
2.1
2.8
4.6
1.1
–
1.2
1.0
1.8
2.8
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
3.5
–
4.6
3.5
–
4.6
0.8
–
–
0.0
–
–
0.2
–
–
0.0
–
–
0.0
–
–
(3)
–
0.1
3.1
8.8
3.6
2.3
–
2.2
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Wholesale trade ........................................................
Retail trade ................................................................
Transportation and warehousing ..............................
Information ....................................................................
Financial activities .........................................................
Finance and insurance ..............................................
Credit intermediation and related activities ...........
Insurance carriers and related activities ...............
Professional and business services ..............................
Professional and technical services ..........................
Education and health services ......................................
Educational services .................................................
Junior colleges, colleges, and universities ............
Health care and social assistance ............................
1.7
3.0
–
4.5
–
–
3.3
3.5
2.7
6.7
–
–
3.0
–
–
3.4
1.7
3.0
–
4.5
–
–
3.3
3.5
2.6
6.8
–
–
3.0
–
–
3.4
–
–
–
–
–
–
0.0
0.0
0.0
0.3
–
–
1.0
–
–
1.0
–
–
–
–
–
–
0.5
0.7
0.0
0.0
–
–
0.0
–
–
0.0
–
–
–
–
–
–
0.0
0.0
0.9
0.0
–
–
0.7
–
–
0.5
–
–
–
–
–
–
1.1
1.3
1.3
2.0
–
–
0.8
–
–
0.8
–
–
–
–
–
–
0.0
0.0
0.7
0.0
–
–
0.0
–
–
0.0
0.4
0.5
–
1.2
–
1.4
0.6
0.6
1.0
0.6
1.0
–
0.4
–
–
0.4
1.9
3.4
7.2
4.2
9.2
6.8
3.6
3.7
3.5
6.6
5.5
8.6
3.3
4.2
6.3
3.8
1.0
2.6
–
2.8
–
–
1.6
1.7
2.1
3.2
–
–
1.1
–
–
1.2
Establishment characteristic
See footnotes at end of table.
Table 23. Standard errors for savings and thrift plans: Automatic enrollment,1 private industry workers, National Compensation
Survey, 2009—Continued
With automatic enrollment
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
No
Automatic
Default contribution as percent of earnings
Default
Default
automatic
Not
enrollment
contribution
contribution enrollment determinable
50th
available
as percent
not
available
10th
25th
75th
90th
percentile
of earnings percentile percentile
percentile percentile determinable
(median)
1.7
2.5
1.9
2.1
3.0
2.9
1.7
2.4
1.5
2.2
3.0
3.0
–
–
–
–
0.0
–
–
–
–
–
0.8
–
–
–
–
–
0.0
–
–
–
–
–
0.7
–
–
–
–
–
0.0
–
0.5
0.6
1.0
0.3
0.2
0.6
2.0
2.5
3.2
2.2
3.6
3.0
1.6
2.0
2.8
1.3
2.1
1.2
–
1.5
4.1
4.6
3.2
7.0
1.6
4.6
5.0
–
1.5
4.1
4.5
3.2
7.6
2.4
4.7
4.8
–
0.0
–
0.3
–
0.6
–
1.0
–
–
0.0
–
0.7
–
0.0
–
0.0
–
–
0.0
–
0.0
–
0.0
–
0.0
–
–
0.7
–
0.0
–
0.2
–
0.0
–
–
0.0
–
0.9
–
1.2
–
1.4
–
1.1
0.7
0.4
0.8
0.5
2.7
1.3
0.2
0.4
13.2
2.8
5.1
4.8
3.2
6.9
1.8
5.1
5.3
–
2.1
2.9
3.4
2.2
3.3
0.7
1.5
2.0
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 The employer that sponsors the plan automatically enrolls employees in the plan at a specified rate
of contribution (e.g., 3 percent of earnings), unless the employee opts out of the plan.
2 The categories are based on the average wage for each occupation surveyed, which may include
workers both above and below the threshold. The average wages are based on the estimates published
in the "National Compensation Survey: Occupational Earnings in the United States, 2008." See
Technical Note for more details.
3
Less than 0.05.
NOTE: Dashes indicate that no data were reported or that data do not meet publication criteria. For
definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit
Terms" at www.bls.gov/ncs/ebs/glossary20092010.htm.
Table 24. Savings and thrift plans: Default enrollment amount as a percent of the employee maximum amount matched by
employer, private industry workers, National Compensation Survey, 2009
(All workers participating in savings and thrift plans = 100 percent)
Characteristics
Total
Automatic
enrollment
available
Default enrollment amount as a percent of the employee
maximum amount matched by employer1
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
No automatic
Not
enrollment
determinable
available
Worker characteristic
All workers ........................................................................
100
19
33
50
50
71
100
74
7
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Sales and office ................................................................
Sales and related ..........................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Installation, maintenance, and repair ............................
Production, transportation, and material moving ..............
Production .....................................................................
Transportation and material moving .............................
100
100
100
100
100
100
100
100
100
100
100
100
100
19
18
20
13
20
26
18
10
–
13
24
24
25
33
38
–
33
33
30
33
–
–
–
–
–
–
50
50
–
33
50
38
50
–
–
–
–
–
–
67
67
–
50
50
50
50
–
–
–
–
–
–
71
71
–
67
71
67
71
–
–
–
–
–
–
100
100
–
100
100
100
100
–
–
–
–
–
–
74
75
73
83
73
65
77
79
84
76
68
71
64
7
7
8
4
6
9
5
11
–
11
7
4
11
Full time ............................................................................
Part time ............................................................................
100
100
19
20
33
–
50
–
50
–
71
–
100
–
74
77
7
3
Union .................................................................................
Nonunion ...........................................................................
100
100
17
19
30
33
33
50
50
50
100
71
100
100
73
74
11
7
Average wage within the following categories:2
Lowest 25 percent .........................................................
Lowest 10 percent .....................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
100
100
100
100
100
100
11
–
21
18
21
22
–
–
33
33
33
33
–
–
43
43
50
50
–
–
50
50
67
67
–
–
50
100
100
71
–
–
100
100
100
100
86
95
73
77
69
67
3
–
6
5
10
11
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
100
100
100
20
–
23
17
–
–
38
–
–
50
–
–
100
–
–
100
–
–
73
83
71
7
–
6
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Wholesale trade ........................................................
Retail trade ................................................................
Transportation and warehousing ..............................
Information ....................................................................
Financial activities .........................................................
Finance and insurance ..............................................
Credit intermediation and related activities ...........
Insurance carriers and related activities ...............
Professional and business services ..............................
Professional and technical services ..........................
Education and health services ......................................
Educational services .................................................
Junior colleges, colleges, and universities ............
Health care and social assistance ............................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
19
23
–
23
–
–
26
28
13
46
–
–
15
–
–
17
33
30
–
–
–
–
33
33
50
–
–
–
–
–
–
–
50
50
–
–
–
–
50
50
50
–
–
–
–
–
–
–
50
50
–
–
–
–
50
50
50
–
–
–
–
–
–
–
71
100
–
–
–
–
71
71
67
–
–
–
–
–
–
–
100
100
–
–
–
–
100
100
71
–
–
–
–
–
–
–
74
65
64
71
59
78
68
66
82
45
78
76
80
89
82
79
7
11
–
6
–
–
6
6
5
8
–
–
4
–
–
4
Establishment characteristic
See footnotes at end of table.
Table 24. Savings and thrift plans: Default enrollment amount as a percent of the employee maximum amount matched by
employer, private industry workers, National Compensation Survey, 2009—Continued
(All workers participating in savings and thrift plans = 100 percent)
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Total
Automatic
enrollment
available
Default enrollment amount as a percent of the employee
maximum amount matched by employer1
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
No automatic
Not
enrollment
determinable
available
100
100
100
100
100
100
9
10
8
25
22
28
33
33
50
33
–
33
33
33
50
50
–
50
50
50
50
50
–
75
50
50
100
100
–
100
71
71
100
100
–
100
84
84
83
68
70
66
7
6
8
7
8
7
100
100
100
100
100
100
100
100
100
–
17
18
23
16
30
18
22
19
–
33
33
33
–
–
–
–
–
–
50
38
50
–
–
–
–
–
–
50
38
50
–
–
–
–
–
–
71
50
50
–
–
–
–
–
–
100
100
75
–
–
–
–
–
67
75
75
69
76
65
79
74
70
–
7
7
8
8
5
4
3
10
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 The percentage is determined by the ratio of the default enrollment amount and the maximum
employee contribution matched by the employer, for those plans that specify both values.
2 The categories are based on the average wage for each occupation surveyed, which may
include workers both above and below the threshold. The average wages are based on the
estimates published in the "National Compensation Survey: Occupational Earnings in the United
States, 2008." See Technical Note for more details.
Table 24. Standard errors for savings and thrift plans: Default enrollment amount as a percent of the employee maximum
amount matched by employer, private industry workers, National Compensation Survey, 2009
Characteristics
Automatic
enrollment
available
Default enrollment amount as a percent of the employee
maximum amount matched by employer1
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
No automatic
Not
enrollment
determinable
available
Worker characteristic
All workers ........................................................................
1.5
0.0
14.2
0.0
20.4
0.0
1.6
0.9
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Sales and office ................................................................
Sales and related ..........................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Installation, maintenance, and repair ............................
Production, transportation, and material moving ..............
Production .....................................................................
Transportation and material moving .............................
2.5
2.4
3.3
2.7
2.0
4.4
2.1
2.5
–
3.8
3.9
4.7
5.6
0.0
15.7
–
0.0
2.0
1.8
9.9
–
–
–
–
–
–
15.4
0.0
–
3.1
0.0
12.9
0.0
–
–
–
–
–
–
20.9
22.4
–
14.9
0.0
3.3
0.0
–
–
–
–
–
–
8.2
35.5
–
13.5
2.1
20.7
0.0
–
–
–
–
–
–
0.0
0.0
–
0.0
0.0
14.6
0.0
–
–
–
–
–
–
2.7
2.7
3.4
3.4
2.3
5.0
2.3
5.2
9.0
5.9
4.1
4.9
5.9
1.5
1.4
2.0
2.1
1.5
4.1
1.0
4.9
–
5.5
2.0
1.9
4.0
Full time ............................................................................
Part time ............................................................................
1.6
3.6
0.0
–
12.0
–
0.0
–
23.3
–
0.0
–
1.7
3.7
0.9
1.1
Union .................................................................................
Nonunion ...........................................................................
3.7
1.6
1.1
0.8
3.0
5.8
13.9
4.6
33.3
11.4
0.0
0.0
4.0
1.7
2.2
0.9
Average wage within the following categories:2
Lowest 25 percent .........................................................
Lowest 10 percent .....................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
2.4
–
2.1
1.9
2.5
4.2
–
–
2.8
4.8
0.0
10.0
–
–
12.7
12.1
16.7
12.3
–
–
0.0
4.2
19.9
0.0
–
–
12.7
32.8
36.5
13.5
–
–
22.0
0.0
0.0
0.0
2.9
2.6
2.4
2.1
2.8
4.6
1.1
–
1.2
1.0
1.8
2.8
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
3.5
–
4.6
5.8
–
–
14.7
–
–
4.2
–
–
17.0
–
–
0.0
–
–
3.1
8.8
3.6
2.3
–
2.2
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Wholesale trade ........................................................
Retail trade ................................................................
Transportation and warehousing ..............................
Information ....................................................................
Financial activities .........................................................
Finance and insurance ..............................................
Credit intermediation and related activities ...........
Insurance carriers and related activities ...............
Professional and business services ..............................
Professional and technical services ..........................
Education and health services ......................................
Educational services .................................................
Junior colleges, colleges, and universities ............
Health care and social assistance ............................
1.7
3.0
–
4.5
–
–
3.3
3.5
2.7
6.7
–
–
3.0
–
–
3.4
0.0
4.8
–
–
–
–
5.0
5.0
0.0
–
–
–
–
–
–
–
2.5
5.7
–
–
–
–
1.4
1.4
0.0
–
–
–
–
–
–
–
8.0
0.0
–
–
–
–
8.0
8.0
8.7
–
–
–
–
–
–
–
6.1
0.0
–
–
–
–
0.0
0.0
9.6
–
–
–
–
–
–
–
0.0
0.0
–
–
–
–
12.5
12.5
0.0
–
–
–
–
–
–
–
1.9
3.4
7.2
4.2
9.2
6.8
3.6
3.7
3.5
6.6
5.5
8.6
3.3
4.2
6.3
3.8
1.0
2.6
–
2.8
–
–
1.6
1.7
2.1
3.2
–
–
1.1
–
–
1.2
Establishment characteristic
See footnotes at end of table.
Table 24. Standard errors for savings and thrift plans: Default enrollment amount as a percent of the employee maximum
amount matched by employer, private industry workers, National Compensation Survey, 2009—Continued
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Automatic
enrollment
available
Default enrollment amount as a percent of the employee
maximum amount matched by employer1
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
No automatic
Not
enrollment
determinable
available
1.7
2.5
1.9
2.1
3.0
2.9
0.0
0.0
11.3
3.0
–
6.2
14.0
7.8
0.0
7.7
–
0.0
0.0
9.2
3.3
23.1
–
33.9
0.0
0.0
44.6
26.3
–
0.0
19.4
22.6
0.0
0.0
–
0.0
2.0
2.5
3.2
2.2
3.6
3.0
1.6
2.0
2.8
1.3
2.1
1.2
–
1.5
4.1
4.6
3.2
7.0
1.6
4.6
5.0
–
3.1
3.2
5.4
–
–
–
–
–
–
8.1
1.4
9.8
–
–
–
–
–
–
15.3
14.5
0.0
–
–
–
–
–
–
0.0
24.9
0.0
–
–
–
–
–
–
0.0
32.7
10.4
–
–
–
–
–
13.2
2.8
5.1
4.8
3.2
6.9
1.8
5.1
5.3
–
2.1
2.9
3.4
2.2
3.3
0.7
1.5
2.0
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 The percentage is determined by the ratio of the default enrollment amount and the
maximum employee contribution matched by the employer, for those plans that specify both
values.
2 The categories are based on the average wage for each occupation surveyed, which
may include workers both above and below the threshold. The average wages are based on
the estimates published in the "National Compensation Survey: Occupational Earnings in the
United States, 2008." See Technical Note for more details.
Table 25. Savings and thrift plans: Maximum employee contributions, private industry workers, National Compensation Survey, 2009
(All workers participating in savings and thrift plans = 100 percent)
Percent of earnings, up to Internal Revenue Code limit1
Characteristics
Total
Percent
of
earnings
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Any amount
up to Internal
Revenue
Code limit
Not
determinable
Other
Worker characteristic
All workers ........................................................................
100
44
15
25
40
50
75
55
–
–
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Protective service ..........................................................
Sales and office ................................................................
Sales and related ..........................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Installation, maintenance, and repair ............................
Production, transportation, and material moving ..............
Production .....................................................................
Transportation and material moving .............................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
45
46
45
31
–
46
45
46
40
–
51
46
40
54
15
15
18
20
–
15
15
15
15
–
–
15
15
15
25
20
25
25
–
20
20
25
20
–
–
20
30
20
40
30
50
35
–
30
50
30
40
–
–
50
50
50
50
50
50
50
–
50
50
50
50
–
–
50
60
50
75
75
75
75
–
75
75
75
85
–
–
75
75
75
54
54
54
69
69
54
54
53
60
78
49
52
56
46
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
(2)
–
–
–
–
Full time ............................................................................
Part time ............................................................................
100
100
43
53
15
–
25
–
40
–
50
–
75
–
56
47
–
–
–
–
Union .................................................................................
Nonunion ...........................................................................
100
100
47
44
15
15
18
25
35
45
50
50
50
75
53
55
–
–
–
–
Average wage within the following categories:3
Lowest 25 percent .........................................................
Lowest 10 percent .....................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
100
100
100
100
100
100
38
35
43
45
45
46
15
–
15
15
16
18
20
–
25
20
25
25
50
–
45
30
45
50
60
–
50
50
50
50
80
–
75
75
75
75
61
65
56
54
54
54
–
–
–
–
–
–
–
–
–
–
–
–
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
100
100
100
42
–
47
15
–
15
30
–
30
50
–
50
60
–
60
75
–
75
54
79
49
–
–
–
–
–
–
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Wholesale trade ........................................................
Retail trade ................................................................
Transportation and warehousing ..............................
Information ....................................................................
Financial activities .........................................................
Finance and insurance ..............................................
Credit intermediation and related activities ...........
Insurance carriers and related activities ...............
Professional and business services ..............................
Professional and technical services ..........................
Education and health services ......................................
Educational services .................................................
Junior colleges, colleges, and universities ............
Health care and social assistance ............................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
44
44
47
44
42
66
61
65
71
59
34
–
40
–
8
42
15
15
–
–
–
25
15
15
15
15
25
–
–
–
–
–
20
20
–
–
–
25
20
20
15
25
25
–
–
–
–
–
40
50
–
–
–
30
25
25
25
25
40
–
–
–
–
–
50
50
–
–
–
50
50
50
40
50
50
–
–
–
–
–
75
80
–
–
–
50
60
60
60
60
60
–
–
–
–
–
55
56
53
56
58
34
39
35
29
41
66
76
59
74
87
57
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
(2)
–
–
Establishment characteristic
See footnotes at end of table.
Table 25. Savings and thrift plans: Maximum employee contributions, private industry workers, National Compensation Survey,
2009—Continued
(All workers participating in savings and thrift plans = 100 percent)
Percent of earnings, up to Internal Revenue Code limit1
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Total
Percent
of
earnings
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Any amount
up to Internal
Revenue
Code limit
Not
determinable
Other
100
100
100
100
100
100
37
40
32
48
43
54
15
15
15
15
15
16
20
20
15
25
25
25
30
30
30
50
50
50
50
50
50
50
50
50
75
75
60
75
75
75
62
60
66
51
57
45
–
–
–
–
–
–
–
–
–
–
–
–
100
100
100
100
100
100
100
100
100
29
46
40
41
45
33
51
52
46
15
15
–
–
15
–
–
25
15
18
25
–
–
25
–
–
30
20
25
50
–
–
50
–
–
50
30
50
50
–
–
50
–
–
50
50
75
75
–
–
75
–
–
75
75
69
53
60
59
55
67
49
47
50
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 The distribution of maximum employee contributions expressed as a percent of earnings should not
be compared with data published by BLS on this topic in previous years due to changes in coding
procedures.
2 Less than 0.5 percent.
3 The categories are based on the average wage for each occupation surveyed, which may include
workers both above and below the threshold. The average wages are based on the estimates published in
the "National Compensation Survey: Occupational Earnings in the United States, 2008." See Technical
Note for more details.
NOTE: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data
were reported or that data do not meet publication criteria. For definitions of major plans, key provisions,
and
related
terms,
see
the
"Glossary
of
Employee
Benefit
Terms"
at
www.bls.gov/ncs/ebs/glossary20092010.htm.
Table 25. Standard errors for savings and thrift plans: Maximum employee contributions, private industry workers, National
Compensation Survey, 2009
Percent of earnings, up to Internal Revenue Code limit1
Characteristics
Percent
of
earnings
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Any amount
up to Internal
Revenue
Code limit
Not
determinable
Other
Worker characteristic
All workers ........................................................................
1.8
0.0
3.1
10.7
0.0
0.0
1.7
–
–
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Protective service ..........................................................
Sales and office ................................................................
Sales and related ..........................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Installation, maintenance, and repair ............................
Production, transportation, and material moving ..............
Production .....................................................................
Transportation and material moving .............................
2.6
2.9
4.0
6.1
–
2.6
4.9
2.8
5.0
–
6.5
3.8
5.3
6.3
3.2
0.8
4.6
6.1
–
0.0
0.0
0.0
0.7
–
–
0.0
0.7
0.0
0.0
2.6
0.0
8.2
–
7.5
6.7
6.1
6.1
–
–
5.5
7.2
1.4
11.4
12.3
10.5
10.2
–
6.3
6.3
6.9
17.5
–
–
0.0
0.0
5.5
0.0
0.0
3.4
0.0
–
0.0
0.0
5.5
7.3
–
–
8.1
9.6
0.0
0.0
6.8
1.4
14.2
–
4.8
9.7
3.3
16.4
–
–
0.0
0.0
15.0
2.6
2.9
4.0
6.1
11.7
2.6
5.0
2.8
5.0
6.8
6.5
3.7
4.6
6.4
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
2
( )
–
–
–
–
Full time ............................................................................
Part time ............................................................................
1.8
5.4
0.4
–
0.0
–
8.1
–
0.0
–
1.0
–
1.7
5.4
–
–
–
–
Union .................................................................................
Nonunion ...........................................................................
4.6
1.9
0.9
0.0
7.6
2.6
7.3
9.2
0.0
0.0
13.3
0.0
4.6
1.8
–
–
–
–
Average wage within the following categories:3
Lowest 25 percent .........................................................
Lowest 10 percent .....................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
4.3
10.4
2.7
3.0
2.2
3.4
0.0
–
0.2
0.0
1.6
3.7
6.9
–
3.1
6.3
0.0
1.7
0.0
–
13.3
12.4
9.6
11.1
21.4
–
0.0
0.0
0.0
0.0
0.0
–
3.1
0.0
1.0
6.0
4.2
10.4
2.6
2.9
2.2
3.3
–
–
–
–
–
–
–
–
–
–
–
–
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
4.7
–
5.4
1.7
–
1.7
5.5
–
6.3
0.0
–
0.0
11.6
–
13.6
0.0
–
0.0
4.0
7.0
4.4
–
–
–
–
–
–
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Wholesale trade ........................................................
Retail trade ................................................................
Transportation and warehousing ..............................
Information ....................................................................
Financial activities .........................................................
Finance and insurance ..............................................
Credit intermediation and related activities ...........
Insurance carriers and related activities ...............
Professional and business services ..............................
Professional and technical services ..........................
Education and health services ......................................
Educational services .................................................
Junior colleges, colleges, and universities ............
Health care and social assistance ............................
2.4
4.3
6.6
5.3
10.9
8.0
4.3
4.1
4.8
7.1
6.6
–
4.3
–
2.0
4.7
0.0
0.3
–
–
–
2.0
0.0
0.0
0.0
0.6
6.8
–
–
–
–
–
7.3
0.0
–
–
–
7.8
2.9
0.0
4.6
6.7
0.0
–
–
–
–
–
11.0
0.0
–
–
–
12.9
0.0
0.0
2.6
2.2
15.4
–
–
–
–
–
0.0
6.8
–
–
–
0.0
1.0
1.0
13.0
9.9
11.8
–
–
–
–
–
3.5
5.4
–
–
–
0.0
11.0
12.8
10.0
19.2
0.0
–
–
–
–
–
2.4
4.3
6.6
5.3
10.9
8.0
4.3
4.1
4.8
7.1
6.6
7.7
4.3
8.2
3.1
4.7
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
(2)
–
–
Establishment characteristic
See footnotes at end of table.
Table 25. Standard errors for savings and thrift plans: Maximum employee contributions, private industry workers, National
Compensation Survey, 2009—Continued
Percent of earnings, up to Internal Revenue Code limit1
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Percent
of
earnings
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Any amount
up to Internal
Revenue
Code limit
Not
determinable
Other
3.0
3.6
3.9
2.2
2.9
3.2
0.0
0.3
0.0
0.9
0.2
2.8
1.0
2.0
2.8
0.0
4.8
0.0
6.1
7.3
5.8
2.8
3.4
8.6
2.8
11.3
1.0
0.0
0.0
8.8
22.6
17.2
14.0
0.0
6.7
0.0
3.0
3.6
3.6
2.1
2.7
3.1
–
–
–
–
–
–
–
–
–
–
–
–
4.6
4.6
3.2
4.7
2.8
5.1
7.8
5.5
6.4
2.7
2.9
–
–
2.2
–
–
3.7
0.0
2.9
1.0
–
–
0.0
–
–
7.7
9.0
4.7
13.0
–
–
0.0
–
–
7.6
12.3
0.0
5.2
–
–
13.9
–
–
13.8
0.0
14.7
9.7
–
–
6.6
–
–
6.5
1.7
3.2
4.6
3.2
4.7
2.8
4.8
7.9
5.8
4.5
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 The distribution of maximum employee contributions expressed as a percent of earnings
should not be compared with data published by BLS on this topic in previous years due to changes in
coding procedures.
2 Less than 0.05.
3 The categories are based on the average wage for each occupation surveyed, which may
include workers both above and below the threshold. The average wages are based on the
estimates published in the "National Compensation Survey: Occupational Earnings in the United
States, 2008." See Technical Note for more details.
NOTE: Dashes indicate that no data were reported or that data do not meet publication criteria. For
definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit
Terms" at www.bls.gov/ncs/ebs/glossary20092010.htm.
Table 26. Savings and thrift plans: Maximum employee contribution matched by employer, private industry workers, National
Compensation Survey, 2009
(All workers participating in savings and thrift plans = 100 percent)
Maximum employee contribution matched by employer
Characteristics
Total
Specified
matching
percent
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Other1
Not
determinable
Worker characteristic
All workers ........................................................................
100
62
3.0
4.0
6.0
6.0
6.0
35
2
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Protective service ..........................................................
Sales and office ................................................................
Sales and related ..........................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Installation, maintenance, and repair ............................
Production, transportation, and material moving ..............
Production .....................................................................
Transportation and material moving .............................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
61
58
64
68
77
63
59
64
68
69
68
60
61
58
3.0
4.0
3.0
3.0
4.0
3.0
2.0
4.0
4.0
4.0
4.0
3.0
3.0
2.5
4.0
5.0
4.0
4.0
5.0
5.0
4.0
5.0
5.0
5.0
4.0
5.0
5.0
4.0
6.0
6.0
5.0
5.0
6.0
6.0
5.0
6.0
6.0
6.0
6.0
6.0
6.0
5.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
7.0
6.0
6.0
6.0
7.0
7.0
7.0
7.0
7.0
6.0
35
37
34
31
–
36
41
35
25
–
27
39
38
41
3
5
2
2
–
1
2
( )
1
7
–
5
1
1
2
Full time ............................................................................
Part time ............................................................................
100
100
62
67
3.0
3.0
4.0
4.0
6.0
5.0
6.0
6.0
6.0
6.0
35
32
3
1
Union .................................................................................
Nonunion ...........................................................................
100
100
74
61
3.0
3.0
5.0
4.0
6.0
6.0
6.0
6.0
6.0
6.0
21
36
5
2
Average wage within the following categories:3
Lowest 25 percent .........................................................
Lowest 10 percent .....................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
100
100
100
100
100
100
70
72
60
65
60
60
3.0
4.0
3.0
3.0
4.0
4.0
4.0
4.0
4.0
4.0
4.0
4.0
5.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
28
–
39
33
36
38
1
–
1
2
4
2
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
100
100
100
65
71
63
3.0
4.0
3.0
5.0
5.0
5.0
6.0
6.0
6.0
6.0
6.0
6.0
7.0
7.0
8.0
33
–
36
2
–
1
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Wholesale trade ........................................................
Retail trade ................................................................
Transportation and warehousing ..............................
Information ....................................................................
Financial activities .........................................................
Finance and insurance ..............................................
Credit intermediation and related activities ...........
Insurance carriers and related activities ...............
Professional and business services ..............................
Professional and technical services ..........................
Education and health services ......................................
Educational services .................................................
Junior colleges, colleges, and universities ............
Health care and social assistance ............................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
62
58
47
60
64
64
72
74
82
65
55
50
71
69
67
71
3.0
2.0
2.5
2.0
3.0
–
4.0
4.0
4.0
4.0
4.0
4.0
3.0
–
2.0
3.0
4.0
4.0
4.0
3.0
5.0
–
5.0
5.0
5.0
5.0
4.0
4.0
4.0
–
3.0
4.0
6.0
5.0
6.0
5.0
5.0
–
6.0
6.0
6.0
6.0
6.0
6.0
4.0
–
4.0
4.0
6.0
6.0
7.0
5.0
6.0
–
6.0
6.0
6.0
6.0
6.0
6.0
6.0
–
5.0
6.0
6.0
6.0
8.0
6.0
6.0
–
7.0
7.0
6.0
7.0
6.0
6.0
6.0
–
6.0
6.0
36
41
51
40
36
29
23
24
17
33
45
50
26
24
24
26
2
1
2
(2)
–
7
6
2
1
2
–
–
3
7
9
3
Establishment characteristic
See footnotes at end of table.
Table 26. Savings and thrift plans: Maximum employee contribution matched by employer, private industry workers, National
Compensation Survey, 2009—Continued
(All workers participating in savings and thrift plans = 100 percent)
Maximum employee contribution matched by employer
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Total
Specified
matching
percent
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Other1
Not
determinable
100
100
100
100
100
100
60
58
64
64
62
65
3.0
3.0
3.0
3.0
3.0
4.0
4.0
4.0
4.0
4.0
4.0
4.0
6.0
6.0
6.0
6.0
6.0
5.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
7.0
6.0
35
36
32
35
37
33
5
5
4
1
2
( )
2
100
100
100
100
100
100
100
100
100
65
66
61
61
65
57
58
70
57
4.0
3.0
3.0
–
4.0
3.0
4.0
3.0
3.0
5.0
4.0
4.0
–
4.0
4.0
4.0
4.0
5.0
6.0
6.0
6.0
–
5.0
5.0
5.0
6.0
6.0
6.0
6.0
6.0
–
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
–
6.0
7.0
7.0
6.0
8.0
–
29
38
36
33
42
39
30
42
–
5
( )
3
3
1
3
–
2
( )
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1
2
3
Includes a maximum dollar amount specified by employer.
Less than 0.5 percent.
The categories are based on the average wage for each occupation surveyed, which may
include workers both above and below the threshold. The average wages are based on the
estimates published in the "National Compensation Survey: Occupational Earnings in the United
States, 2008." See Technical Note for more details.
2
NOTE: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no
data were reported or that data do not meet publication criteria. For definitions of major plans, key
provisions, and related terms, see the "Glossary of Employee Benefit Terms" at
www.bls.gov/ncs/ebs/glossary20092010.htm.
Table 26. Standard errors for savings and thrift plans: Maximum employee contribution matched by employer, private
industry workers, National Compensation Survey, 2009
Maximum employee contribution matched by employer
Characteristics
Specified
matching
percent
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Other1
Not
determinable
Worker characteristic
All workers ........................................................................
2.0
0.0
0.0
0.0
0.0
0.0
2.0
0.4
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Protective service ..........................................................
Sales and office ................................................................
Sales and related ..........................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Installation, maintenance, and repair ............................
Production, transportation, and material moving ..............
Production .....................................................................
Transportation and material moving .............................
3.1
3.1
4.2
4.8
10.0
2.9
4.8
3.3
5.2
9.6
6.1
4.2
4.7
6.9
0.5
1.2
0.2
0.0
0.0
0.1
0.2
1.3
0.4
0.4
1.4
0.4
0.6
0.5
0.0
1.4
0.0
0.0
1.4
1.3
0.5
0.2
0.5
0.0
1.5
0.9
0.7
1.2
0.6
0.0
1.0
1.0
0.4
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.4
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.0
0.0
0.0
0.9
0.3
0.0
0.8
0.4
0.4
3.4
1.2
1.4
1.2
2.9
3.0
4.2
5.0
–
2.8
4.8
3.3
5.0
–
5.8
4.1
4.8
6.3
0.9
1.9
0.7
0.7
–
0.2
0.2
0.2
4.2
–
3.4
0.7
0.5
1.4
Full time ............................................................................
Part time ............................................................................
2.0
4.4
0.0
1.4
0.0
1.2
0.0
0.0
0.0
0.0
0.0
0.0
2.0
4.5
0.4
0.5
Union .................................................................................
Nonunion ...........................................................................
4.7
2.1
1.1
0.0
1.2
0.0
0.0
0.0
0.0
0.0
2.1
0.0
5.1
2.1
2.3
0.4
Average wage within the following categories:2
Lowest 25 percent .........................................................
Lowest 10 percent .....................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
5.0
11.6
2.9
3.3
2.5
3.9
0.4
1.1
0.0
1.1
1.4
0.3
0.4
0.6
0.0
0.0
0.1
1.2
0.0
1.3
0.7
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.5
0.6
0.0
0.0
5.0
–
2.9
2.9
2.8
3.8
0.6
–
0.3
0.6
0.9
0.5
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
3.2
9.5
4.0
0.5
1.5
0.5
0.2
0.4
0.6
0.0
0.0
0.0
0.0
0.0
0.0
1.2
1.1
0.6
3.8
–
4.1
1.5
–
0.4
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Wholesale trade ........................................................
Retail trade ................................................................
Transportation and warehousing ..............................
Information ....................................................................
Financial activities .........................................................
Finance and insurance ..............................................
Credit intermediation and related activities ...........
Insurance carriers and related activities ...............
Professional and business services ..............................
Professional and technical services ..........................
Education and health services ......................................
Educational services .................................................
Junior colleges, colleges, and universities ............
Health care and social assistance ............................
2.5
3.4
6.9
4.3
10.0
7.3
3.3
3.2
3.1
6.9
6.5
9.1
3.5
7.3
6.0
3.9
0.0
0.5
1.2
0.0
0.3
–
0.0
0.0
0.0
0.0
0.0
0.0
0.0
–
0.0
0.0
0.0
0.6
2.0
1.2
1.3
–
0.0
0.0
0.0
0.0
0.4
1.1
0.1
–
0.2
0.2
1.2
0.0
0.0
0.0
0.0
–
0.0
0.0
1.1
0.3
0.0
0.0
0.2
–
0.9
0.2
0.0
0.0
0.7
0.0
0.5
–
0.0
0.0
0.0
0.0
0.0
0.0
0.0
–
0.0
0.0
0.0
0.4
2.1
0.0
0.0
–
1.0
0.7
0.0
0.0
0.0
0.0
0.0
–
0.8
0.0
2.3
3.2
6.6
4.3
10.0
8.3
3.2
3.2
3.0
7.3
6.5
9.1
3.7
7.2
5.9
4.2
0.6
0.6
2.0
0.2
–
3.7
2.2
0.6
1.0
1.6
–
–
1.3
2.3
2.6
1.5
Establishment characteristic
See footnotes at end of table.
Table 26. Standard errors for savings and thrift plans: Maximum employee contribution matched by employer, private
industry workers, National Compensation Survey, 2009—Continued
Maximum employee contribution matched by employer
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Specified
matching
percent
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Other1
Not
determinable
3.4
3.7
5.6
2.1
3.9
2.9
0.7
1.1
0.8
0.3
0.0
0.6
0.0
0.8
0.0
0.0
1.0
0.0
0.0
0.0
0.0
0.0
0.0
1.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.2
0.9
0.4
0.0
3.4
4.2
5.0
2.2
4.0
2.8
1.1
2.0
2.6
0.2
0.1
0.5
11.6
6.3
6.0
7.1
2.7
7.4
5.5
7.4
4.0
0.9
1.3
0.9
–
0.3
1.3
1.3
0.2
0.7
0.4
0.0
0.0
–
0.0
0.0
0.0
1.1
0.0
0.0
0.0
0.8
–
1.0
1.3
1.0
0.0
0.0
0.0
0.0
0.0
–
0.0
0.0
0.0
0.0
0.0
0.0
0.9
0.7
–
0.0
2.3
1.1
0.0
2.5
–
6.6
6.1
7.8
2.9
7.8
4.7
7.4
3.9
–
0.5
0.4
2.5
1.3
0.6
1.6
–
0.3
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1
2
Includes a maximum dollar amount specified by employer.
The categories are based on the average wage for each occupation surveyed, which
may include workers both above and below the threshold. The average wages are based on
the estimates published in the "National Compensation Survey: Occupational Earnings in the
United States, 2008." See Technical Note for more details.
NOTE: Dashes indicate that no data were reported or that data do not meet publication criteria.
For definitions of major plans, key provisions, and related terms, see the "Glossary of
Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20092010.htm.
Table 27. Savings and thrift plans: Method of employer matching contributions, private industry workers, National Compensation
Survey, 2009
(All workers participating in savings and thrift plans = 100 percent)
Specified matching percent
Characteristics
Total
Specified
matching
percent
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Other1
Not
determinable
Worker characteristic
All workers ........................................................................
100
62
25
50
50
100
100
35
2
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Protective service ..........................................................
Sales and office ................................................................
Sales and related ..........................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Installation, maintenance, and repair ............................
Production, transportation, and material moving ..............
Production .....................................................................
Transportation and material moving .............................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
61
58
64
68
77
63
59
64
68
69
68
60
61
58
–
50
–
–
–
50
–
50
25
–
25
25
25
25
–
50
–
–
–
50
–
50
40
–
50
50
50
50
–
80
–
–
–
80
–
50
50
–
50
50
50
50
–
100
–
–
–
100
–
100
75
–
80
100
100
100
–
100
–
–
–
100
–
100
100
–
100
100
100
100
35
37
34
31
–
36
41
35
25
–
27
39
38
41
3
5
2
2
–
1
(2)
1
7
–
5
1
1
2
Full time ............................................................................
Part time ............................................................................
100
100
62
67
25
25
50
50
50
50
100
100
100
100
35
32
3
1
Union .................................................................................
Nonunion ...........................................................................
100
100
74
61
–
25
–
50
–
50
–
100
–
100
21
36
5
2
Average wage within the following categories:3
Lowest 25 percent .........................................................
Lowest 10 percent .....................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
100
100
100
100
100
100
70
72
60
65
60
60
25
–
25
25
–
–
50
–
50
50
–
–
50
–
50
50
–
–
100
–
100
100
–
–
100
–
100
100
–
–
28
–
39
33
36
38
1
–
1
2
4
2
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
100
100
100
65
71
63
25
–
25
50
–
50
50
–
50
100
–
100
100
–
100
33
–
36
2
–
1
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Wholesale trade ........................................................
Retail trade ................................................................
Transportation and warehousing ..............................
Information ....................................................................
Financial activities .........................................................
Finance and insurance ..............................................
Credit intermediation and related activities ...........
Insurance carriers and related activities ...............
Professional and business services ..............................
Professional and technical services ..........................
Education and health services ......................................
Educational services .................................................
Junior colleges, colleges, and universities ............
Health care and social assistance ............................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
62
58
47
60
64
64
72
74
82
65
55
50
71
69
67
71
32
25
–
–
25
50
50
50
50
–
–
–
–
–
–
–
50
50
–
–
35
50
50
50
100
–
–
–
–
–
–
–
65
100
–
–
50
50
100
100
100
–
–
–
–
–
–
–
100
100
–
–
100
80
100
100
100
–
–
–
–
–
–
–
100
100
–
–
100
100
100
100
100
–
–
–
–
–
–
–
36
41
51
40
36
29
23
24
17
33
45
50
26
24
24
26
2
1
2
(2)
–
7
6
2
1
2
–
–
3
7
9
3
Establishment characteristic
See footnotes at end of table.
Table 27. Savings and thrift plans: Method of employer matching contributions, private industry workers, National Compensation
Survey, 2009—Continued
(All workers participating in savings and thrift plans = 100 percent)
Specified matching percent
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Total
Specified
matching
percent
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Other1
Not
determinable
100
100
100
100
100
100
60
58
64
64
62
65
25
50
25
25
25
50
50
50
50
50
50
50
75
100
50
50
50
65
100
100
100
100
100
100
100
100
100
100
100
100
35
36
32
35
37
33
5
5
4
1
2
( )
2
100
100
100
100
100
100
100
100
100
65
66
61
61
65
57
58
70
57
–
25
25
–
25
–
–
–
–
–
50
50
–
50
–
–
–
–
–
50
50
–
50
–
–
–
–
–
100
100
–
100
–
–
–
–
–
100
100
–
100
–
–
–
–
–
29
38
36
33
42
39
30
42
–
5
( )
3
3
1
3
–
2
( )
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1
2
3
Includes a maximum dollar amount specified by employer.
Less than 0.5 percent.
The categories are based on the average wage for each occupation surveyed, which may
include workers both above and below the threshold. The average wages are based on the
estimates published in the "National Compensation Survey: Occupational Earnings in the United
States, 2008." See Technical Note for more details.
2
NOTE: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no
data were reported or that data do not meet publication criteria. For definitions of major plans, key
provisions, and related terms, see the "Glossary of Employee Benefit Terms" at
www.bls.gov/ncs/ebs/glossary20092010.htm.
Table 27. Standard errors for savings and thrift plans: Method of employer matching contributions, private industry
workers, National Compensation Survey, 2009
Specified matching percent
Characteristics
Specified
matching
percent
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Other1
Not
determinable
Worker characteristic
All workers ........................................................................
2.0
0.0
0.0
0.0
0.0
0.0
2.0
0.4
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Protective service ..........................................................
Sales and office ................................................................
Sales and related ..........................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Installation, maintenance, and repair ............................
Production, transportation, and material moving ..............
Production .....................................................................
Transportation and material moving .............................
3.1
3.1
4.2
4.8
10.0
2.9
4.8
3.3
5.2
9.6
6.1
4.2
4.7
6.9
–
0.0
–
–
–
22.7
–
16.5
0.0
–
2.0
0.0
0.0
2.9
–
0.0
–
–
–
0.0
–
0.0
13.3
–
0.0
0.0
0.0
19.7
–
26.1
–
–
–
28.5
–
23.6
0.0
–
7.3
0.0
0.0
0.0
–
0.0
–
–
–
0.0
–
0.0
15.5
–
22.3
0.0
4.9
12.3
–
0.0
–
–
–
0.0
–
0.0
0.0
–
0.0
0.0
0.0
0.0
2.9
3.0
4.2
5.0
–
2.8
4.8
3.3
5.0
–
5.8
4.1
4.8
6.3
0.9
1.9
0.7
0.7
–
0.2
0.2
0.2
4.2
–
3.4
0.7
0.5
1.4
Full time ............................................................................
Part time ............................................................................
2.0
4.4
1.0
8.4
0.0
2.9
1.6
13.9
0.0
0.0
0.0
0.0
2.0
4.5
0.4
0.5
Union .................................................................................
Nonunion ...........................................................................
4.7
2.1
–
1.0
–
0.0
–
2.0
–
0.0
–
0.0
5.1
2.1
2.3
0.4
Average wage within the following categories:2
Lowest 25 percent .........................................................
Lowest 10 percent .....................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
5.0
11.6
2.9
3.3
2.5
3.9
0.0
–
2.8
0.0
–
–
0.0
–
0.0
0.0
–
–
0.0
–
0.0
0.0
–
–
0.0
–
0.0
0.0
–
–
0.0
–
0.0
0.0
–
–
5.0
–
2.9
2.9
2.8
3.8
0.6
–
0.3
0.6
0.9
0.5
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
3.2
9.5
4.0
0.0
–
0.0
12.2
–
0.0
0.0
–
0.0
26.6
–
8.8
0.0
–
0.0
3.8
–
4.1
1.5
–
0.4
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Wholesale trade ........................................................
Retail trade ................................................................
Transportation and warehousing ..............................
Information ....................................................................
Financial activities .........................................................
Finance and insurance ..............................................
Credit intermediation and related activities ...........
Insurance carriers and related activities ...............
Professional and business services ..............................
Professional and technical services ..........................
Education and health services ......................................
Educational services .................................................
Junior colleges, colleges, and universities ............
Health care and social assistance ............................
2.5
3.4
6.9
4.3
10.0
7.3
3.3
3.2
3.1
6.9
6.5
9.1
3.5
7.3
6.0
3.9
15.3
0.0
–
–
0.0
0.0
0.0
0.0
0.0
–
–
–
–
–
–
–
0.0
0.0
–
–
15.5
0.0
8.6
9.4
0.0
–
–
–
–
–
–
–
20.2
44.9
–
–
3.9
6.1
0.0
0.0
0.0
–
–
–
–
–
–
–
0.0
0.0
–
–
24.0
0.0
0.0
0.0
0.0
–
–
–
–
–
–
–
0.0
0.0
–
–
0.0
0.0
0.0
0.0
7.2
–
–
–
–
–
–
–
2.3
3.2
6.6
4.3
10.0
8.3
3.2
3.2
3.0
7.3
6.5
9.1
3.7
7.2
5.9
4.2
0.6
0.6
2.0
0.2
–
3.7
2.2
0.6
1.0
1.6
–
–
1.3
2.3
2.6
1.5
Establishment characteristic
See footnotes at end of table.
Table 27. Standard errors for savings and thrift plans: Method of employer matching contributions, private industry
workers, National Compensation Survey, 2009—Continued
Specified matching percent
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Specified
matching
percent
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Other1
Not
determinable
3.4
3.7
5.6
2.1
3.9
2.9
9.9
17.8
1.0
1.4
0.0
2.9
0.0
0.0
9.3
0.0
2.0
0.0
20.4
25.3
18.8
0.0
0.0
20.8
0.0
0.0
0.0
0.0
13.7
0.0
0.0
0.0
0.0
0.0
0.0
0.0
3.4
4.2
5.0
2.2
4.0
2.8
1.1
2.0
2.6
0.2
0.1
0.5
11.6
6.3
6.0
7.1
2.7
7.4
5.5
7.4
4.0
–
9.5
2.0
–
5.5
–
–
–
–
–
0.0
0.0
–
0.0
–
–
–
–
–
0.0
2.8
–
6.5
–
–
–
–
–
0.0
0.0
–
0.0
–
–
–
–
–
0.0
0.0
–
0.0
–
–
–
–
–
6.6
6.1
7.8
2.9
7.8
4.7
7.4
3.9
–
0.5
0.4
2.5
1.3
0.6
1.6
–
0.3
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1
2
Includes a maximum dollar amount specified by employer.
The categories are based on the average wage for each occupation surveyed, which
may include workers both above and below the threshold. The average wages are based on
the estimates published in the "National Compensation Survey: Occupational Earnings in the
United States, 2008." See Technical Note for more details.
NOTE: Dashes indicate that no data were reported or that data do not meet publication criteria.
For definitions of major plans, key provisions, and related terms, see the "Glossary of
Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20092010.htm.
Table 28. Savings and thrift plans: Maximum potential employer contribution,1 private industry
workers, National Compensation Survey, 2009
(Includes all workers participating in savings and thrift plans that specify matching contributions)
Maximum potential employer contribution
Characteristics
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Worker characteristic
All workers ........................................................................
1.5
2.1
3.0
4.8
6.0
Sales and office ................................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Production, transportation, and material moving ..............
Production .....................................................................
Transportation and material moving .............................
2.0
2.0
1.5
1.5
1.5
1.0
3.0
3.0
2.0
2.0
2.5
2.0
3.5
3.0
3.0
3.0
3.0
2.5
5.0
5.0
4.0
4.0
4.2
3.5
6.0
6.0
6.0
6.0
6.0
6.0
Full time ............................................................................
Part time ............................................................................
1.5
1.3
2.4
2.0
3.0
3.0
4.8
5.0
6.0
5.0
Nonunion ...........................................................................
1.5
2.1
3.0
5.0
6.0
1.5
1.5
2.1
2.0
3.0
3.0
4.5
4.0
6.0
6.0
Goods-producing industries ..............................................
Manufacturing ...............................................................
1.5
1.5
2.0
2.0
3.0
3.0
4.0
4.0
6.0
6.0
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Transportation and warehousing ..............................
Financial activities .........................................................
Finance and insurance ..............................................
Credit intermediation and related activities ...........
1.5
1.3
1.3
3.0
3.0
3.0
2.5
2.1
2.1
3.0
3.5
4.0
3.0
3.0
2.5
5.0
5.0
5.0
5.0
5.0
3.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
1.5
2.0
1.5
1.5
1.5
2.0
3.0
3.0
2.0
2.0
2.0
2.5
3.0
3.0
3.0
3.0
3.0
3.0
5.0
5.0
4.0
4.5
4.5
5.0
6.0
6.0
6.0
6.0
6.0
6.0
Middle Atlantic ...................................................................
East North Central ............................................................
South Atlantic ....................................................................
1.5
1.5
1.5
2.1
2.0
2.0
3.0
3.0
3.0
4.0
4.8
4.0
5.5
6.0
6.0
1 The maximum potential employer contribution is determined by
multiplying the maximum employee contribution subject to matching by the
employer matching percent, for those plans that specify both values.
2 The categories are based on the average wage for each occupation
surveyed, which may include workers both above and below the threshold.
The average wages are based on the estimates published in the "National
Compensation Survey: Occupational Earnings in the United States, 2008."
See Technical Note for more details.
categories:2
Average wage within the following
Second 25 percent ........................................................
Third 25 percent ............................................................
Establishment characteristic
Geographic area
NOTE: For definitions of major plans, key provisions, and related terms,
see
the
"Glossary
of
Employee
Benefit
Terms"
at
www.bls.gov/ncs/ebs/glossary20092010.htm.
Table 28. Standard errors for savings and thrift plans: Maximum potential employer
contribution,1 private industry workers, National Compensation Survey, 2009
Maximum potential employer contribution
Characteristics
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Worker characteristic
All workers ........................................................................
0.0
0.5
0.0
0.4
0.0
Sales and office ................................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Production, transportation, and material moving ..............
Production .....................................................................
Transportation and material moving .............................
0.6
0.7
0.7
0.3
0.1
0.3
0.0
0.0
0.3
0.2
0.8
0.1
0.6
0.5
0.0
0.0
0.0
0.5
0.0
0.1
0.6
0.3
0.4
0.7
0.0
0.0
1.5
0.6
0.4
1.3
Full time ............................................................................
Part time ............................................................................
(2)
0.3
0.5
0.2
0.0
0.2
0.4
0.0
0.0
0.0
Nonunion ...........................................................................
0.0
0.5
0.0
0.7
0.0
0.0
0.0
0.5
(2)
0.0
0.0
0.8
0.8
0.0
0.0
Goods-producing industries ..............................................
Manufacturing ...............................................................
0.0
0.0
0.0
0.7
0.0
0.0
0.6
0.4
0.6
0.6
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Transportation and warehousing ..............................
Financial activities .........................................................
Finance and insurance ..............................................
Credit intermediation and related activities ...........
0.1
0.3
0.1
0.0
0.0
0.0
0.5
0.3
0.5
0.6
0.5
0.4
0.0
0.1
0.0
0.2
0.0
0.0
0.1
0.2
1.5
0.0
0.0
0.0
0.0
0.9
0.7
0.6
0.8
0.5
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
0.3
0.6
0.3
0.0
0.0
0.4
0.4
0.0
0.4
0.1
(2)
0.7
0.0
0.5
0.0
0.0
0.0
0.5
0.2
0.0
0.3
0.4
0.6
0.4
0.0
0.0
0.0
0.0
1.3
0.0
Middle Atlantic ...................................................................
East North Central ............................................................
South Atlantic ....................................................................
0.2
0.0
0.3
0.9
0.0
0.7
0.0
(2)
0.0
0.6
1.3
0.9
1.0
0.0
0.0
1 The maximum potential employer contribution is determined by
multiplying the maximum employee contribution subject to matching by the
employer matching percent, for those plans that specify both values.
2 Less than 0.05.
3 The categories are based on the average wage for each occupation
surveyed, which may include workers both above and below the threshold.
The average wages are based on the estimates published in the "National
Compensation Survey: Occupational Earnings in the United States, 2008."
See Technical Note for more details.
categories:3
Average wage within the following
Second 25 percent ........................................................
Third 25 percent ............................................................
Establishment characteristic
Geographic area
NOTE: For definitions of major plans, key provisions, and related terms,
see
the
"Glossary
of
Employee
Benefit
Terms"
at
www.bls.gov/ncs/ebs/glossary20092010.htm.